Changes
* 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:Credit boom in India.jpg|thumb|center|400px600px|Consumption boom]]
[[Image:Consumption boom in India.jpg|thumb|center|400px600px|Consumption boom]]
=== Microfinance ===
