Our RBI has been one of the best Regulators in the world. It balances growth and risk very well. The current team under Mr. Das has been very proactive. I hope that they bring progressive regulations which encourage MSME lending. The FIN ministry also should actively push for more ease of credit availability to MSMEs. Companies like Ugro will grow and make MSME lending more popular, but if they get more support from RBI and FIN MIN this sub-sector of MSME lending can grow faster, which will help Bharat achieve its true potential much quicker. Best wishes to iSpirit and Ugro's team under Mr. Nath.