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Policy researchers suggest using debt-to-income (DTI) limits and loan-to-value (LTV) ratios as effective macroprudential tools for retail loans. A study by RBI economists highlights the importance of monitoring the retail segment for stress build-up. The sustainability of retail credit flows depends on the health of households, banks, and non-bank financial corporations. Policymakers should consider using structural prudential tools like debt-service ratio and DTI limits. Additionally, credit underwriting and account aggregators can strengthen lender resilience and improve credit monitoring. ....
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