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This document discusses differentiated banking licensing in India. It provides background on banking regulation and licensing in India. It notes that while all banks currently offer basic services, some banks may prefer to specialize in niche areas rather than compete as full-service banks. The document examines arguments for and against differentiated licensing, and reviews international practices. It concludes that the existing universal banking system should continue for now to promote financial inclusio

Author

Pardeep Singh Saini

Language

EN