This broadening of access not only eases the credit constraint faced by a dynamic segment of the population and transfers purchasing power in their hands but also diversifies the risk for the banks and allows them to earn a decent return on their loan products.
In essence, the strategy was reaffirmed with just a somewhat less prominent role for money and a clarified policy aim. I believe you would agree that no monetary policy strategy should be set in stone. Instead, it should adapt to changing circumstances, and circumstances have certainly changed over the past 18 years.