Ceilings on lending rates remain a widely used policy tool that is intended to lower the overall cost of credit or …-effects. These side-effects include increases in non-interest fees and commissions, reduced price transparency, lower credit supply … alternatives to reduce the cost of credit …

and Sikhs, are less likely to have access to institutional credit, after accounting for other relevant factors. The … disaggregated analysis suggests that these results differ across key characteristics such as SME ownership and gender and caste. In … addition, the results also show SMEs for the aforesaid religious categories are less likely to use institutional credit …