[https://m.economictimes.com/news/economy/finance/view-efficient-credit-alone-can-take-india-where-it-aspires-to-be/articleshow/77055275.cms](https://m.economictimes.com/news/economy/finance/view-efficient-credit-alone-can-take-india-where-it-aspires-to-be/articleshow/77055275.cms)