Changes
/* Rural credit */
[[Image:PersFin Rural ATM.jpg|thumb|center|400px|[http://epaper.timesofindia.com/Repository/ml.asp?Ref=VE9JQkcvMjAwNi8wOC8wOCNBcjAxNTAz&Mode=HTML&Locale=english-skin-custom State Bank of India/Microsoft experiment for rural ATM was tested with 20,000 villagers in 5 villages]]]
=== India - A consumption boom is taking place ===
* According to study by Bank of Baroda, India is riding a CAGR growth in excess of 35% for the last 5 years in 'retail loans' category
* Despite this, the penetration of credit products as a % of GDP is still very low
* Reasons could be (a) credit aversion (b) no distinction between good and bad paymasters (c) propensity to save is high due to insecure healthcare and social security concerns.
[[Image:Consumption boom in India.jpg|thumb|center|400px|Consumption boom]]
=== Microfinance ===
