The emergence of long term investors such as pension and insurance funds, development of corporate bond market, and single name CDS may help in de-risking to a certain extent banks exposures to infrastructure. •  A phenomenon that RBI has brought to attention of banks recently is the large investments by banks into debt oriented mutual funds.
I also wish to advise that the Central Bank will not exercise the option to bring the matter before the Court where the credit union opts for the payment of an administrative fine. As such, even though the provision for criminal charges is in the law, it will be used only as a very last resort when all else has failed.