He would certainly have offered criticisms and observations, suggested additions and changes. Fundamentally, however, it is his moral strength, his passion for the good of his fellow citizens, which he passed on to us with his teachings, that have inspired these reflections. 6  BIS Review 10/2005
Starting with the nationalization of banks, priority sector lending requirements for banks, lead bank scheme, establishment of regional rural banks (RRBs), service area approach, self-help group-bank linkage programme, etc., multiple steps have been taken by the Reserve Bank of India (RBI) over the years to increase access to the poorer segments of society.