Financial inclusion: expand no-frills bank accounts and credit access using intermediaries to reach rural households.
Government measures to expand basic banking and credit in rural areas require banks to offer no-frills basic accounts with nil or low minimum balances and to issue General Credit Cards without security or end-use conditions. Small borrowers settled under one-time settlement schemes are eligible for fresh credit. Banks may use NGOs, self-help groups, microfinance institutions and other civil society organisations as intermediaries to provide financial services. Scheduled Commercial Banks and Regional Rural Banks were advised to add rural household accounts during the year, and public sector banks largely achieved their targets.

Overseas borrowing limits remain unchanged after policy review; approval route allows additional borrowing subject to conditions.
The overseas borrowing limit for Indian companies (excluding hotels, hospitals and software) allows External Commercial Borrowings for rupee and foreign currency expenditure under an Automatic Route up to a prescribed ceiling per financial year, with an additional amount available under an Approval Route subject to conditions including an average maturity requirement; ECB policy and overall limits are reviewed regularly and were not increased in the January 2009 modifications.

Eligibility to acquire immovable property: authorities must verify FEMA residency and visa status before registering transfers.
Authorities must verify FEMA eligibility, inspect travel documents and visa to establish intention to stay, and may review prior registrations before registering sale or purchase of immovable property involving persons resident outside India. Foreign companies with an established branch may acquire property necessary or incidental to business subject to Regulation 5. Foreign nationals meeting the statutory residency and intention-to-stay criteria are treated as person resident in India and may acquire immovable property; Indian citizens and persons of Indian origin resident abroad may acquire property other than agricultural land, plantation or farmhouse.