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The complacency of lenders with respect to a potential surge in delinquencies, where households are funding ordinary consumption using retail loans and possibly being used for trading in the financial markets may be bothering the RBI as they pose a systemic risk for financial stability.

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Dhananjay Sinha ,Head Of Equity Research ,Risk Management Committee ,Systematix Group ,Risk Management ,Retail Lending ,Loans ,Retail Loans ,Rbi ,Rbi Action ,Banks ,Nbfcs ,

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