RBI releases names of applicants under ‘on tap’ Licensing of Universal Banks SECTIONS Share Synopsis VSoft Technologies, Calicut City Service Co-operative Bank and Dvara Kshetriya Gramin Financial Services have applied for a small finance bank license, the central bank said. RBI releases names of applicants under ‘on tap’ Licensing of Universal, small finance banks VSoft Technologies, Calicut City Service Co-operative Bank and Dvara Kshetriya Gramin Financial Services have applied for a small finance bank license, the central bank said. There are also two individual applicants. Pankaj Vaish and others have sought universal banking license while Akhil Kumar Gupta has applied for a small finance bank license.