 In continuation with the payment banks, there are lot of small finance banks coming up. Government says that the intention is to provide social inclusion. Does that make sense when the government on the other side merges the banks and limits the access to the common people? The small finance banks, now there are 20 banks in this period after Mr. Modi has become Prime Minister in 2015 to 2017, 20 private banks have been now promoted and they have come into existence. The small finance banks, you take equitas, you take Jana Bank, you take many other banks. These banks, they are telling, they are created, they have been, they have come into existence for helping the Poova. That is not so. Actually, if you go and seek a loan from Equitas Bank for about 20, 25,000 rupees, a small borrower wants 25,000 rupees from Equitas Bank. What is the rate of interest, you know? It is 25.5%. Reserve Bank is permitting Equitas Bank and Small Finance Bank to charge 25% rate of interest per annum. That means ordinary people are squeezed. Their blood is suck. And how do you call that it is there to help financial inclusion? The real financial inclusion is that they have to promote public sector banks, more rural branches, they have to promote cooperative banks, they have to promote regional rural banks. Rather these banks are not promoted, not only they are not promoted, they are also killed indirectly. Now cooperative bank, if you take these central cooperative banks from November 14, 2016 onwards, they were prevented from taking demonetized currency. Thereby, the very survival of those institutions was put at stake. You take regional rural bank. After this government came into power, they brought an enactment. That enactment says that up to 49% of the shares can be offloaded to the private. The very objective of regional rural banks is to serve the common man. 81% of the regional rural banks' credit is going to common man. And that bank is sought to be privatized. And if you take public sector banks, these public sector banks, 25% of the bank branches have to be opened in the rural. The similar is the condition for other private banks also. Whereas it is not insisted for the private banks. The private banks is hardly having 5% to 6% in the rural area. Whereas public sector banks are also only having a lot of branches in the rural area. But the public sector is now sought to be undermined. They want to privatize public sector. And this bank merger will rationalize the number of branches, particularly in the urban, semi-urban and rural. And thereby the rural persons will be again deprived of credit. For instance, if you take the standard of developed countries or the BRICS nations other than India, whether it is Brazil, Russia, South Africa or China, these countries have about 40 branches for every 1 lakh adults. Whereas in India it is only 7 branches. So instead of increasing the number of branches, instead of promoting public sector, these people are on the one hand trying to sabotage the public sector, on the other hand they are trying to promote private sector banks, small finance banks, payment banks like that. And these banks are sucking the blood of the common man. And that is the reality. And in fact any loan for that matter, it's not only a small loan. Even if you go for some mudra loan, they charge 18% to 21%. Whereas in public sector banks the rate of interest is maximum 11%. Even that itself is high. In fact the education loan is higher than the tractor loan, is higher than the corporate loan, rate of interest if you take even public sector. The character of the public sector is sort to be undermined. That's a different question. The question here is the small finance banks and the payment banks are not for serving the common man, rather they are sucking the blood of the common man.