Liquidation timelines and sale as going concern clarified, with creditor contribution rules and stakeholders' consultation for sales.
Amendments clarify withdrawal regimes for insolvency applications, empower the Committee of Creditors to provide for liquidation cost contributions, recommend sale of the corporate debtor or its business as a going concern, and fix liquidator fees in consultation with the resolution professional. Liquidation rules prescribe sale-as-going-concern procedures that close liquidation without dissolution, establish a model timeline to expedite closure, require proportionate financial creditor contributions to liquidation costs where liquid resources are insufficient, create a non binding Stakeholders' Consultation Committee to advise on sales, mandate claim submission or update as of liquidation commencement, and require a compliance certificate with the final report.

Ombudsman timelines require awards within three months and mediation recommendations within one month after required submissions.
Statistics for Bima Lokpal Jaipur and Chandigarh (1 July 2018-30 June 2019) show numbers of life and general insurance complaints received and resolved, with categories for awards, withdrawals, and non-entertainable matters. The statement highlights Rule 17(4), requiring finalisation and awarding within three months after receipt of all requirements, and Rule 16(1), requiring a mediation recommendation within one month of mutual written consent, with copies to complainant and insurer.

Mis-selling prevention: insurers must adopt board approved policies and follow point of sale rules or face regulatory action.
Insurers must adopt a board approved policy to prevent mis selling and comply with prescribed point of sale obligations; advertising and disclosure rules prohibit unfair or misleading communications; intermediary regulations set codes of conduct for agents, corporate agents and brokers; and the IRDAI's Integrated Grievance Management System records and enables monitoring of complaints, reporting volumes and pendency across public and private general insurers.

Interest subvention scheme lowers effective crop loan cost via lender subvention and farmer prompt repayment incentive.
The scheme reduces effective borrower cost by combining a lender subvention paid to lending institutions and a prompt repayment incentive for farmers; cooperative banks receive the lender subvention directly and access concessional refinance from a Short Term Cooperative Rural Credit Refinance Fund funded from priority sector shortfalls, with refinance sanctions capped at forty percent of Realistic Lending Programme and average prior utilisation due to limited corpus.

Direct sale of biodiesel permitted under regulated blending limits and standards; public-private plantation schemes faced feedstock and viability issues.
The Government authorised direct sale of biodiesel (B100) for blending with high speed diesel to all consumers subject to specified blending limits and compliance with national standards, and issued Guidelines for sale of Biodiesel for blending with high speed diesel for transportation purposes. State-owned oil companies' plantation ventures with Panchayats to grow jatropha/pongamia closed or exited due to poor yields, high operating costs and non-availability of seeds from Panchayats, highlighting operational constraints in securing feedstock under the public-private plantation model.

Corporate insolvency timelines tightened to enforce time bound resolution and clarify restructuring, distribution and creditor voting rules.
The Bill permits comprehensive corporate restructuring within resolution plans, emphasizes time bound disposal and sets an overall outer limit for completion of the corporate insolvency resolution process. It clarifies a voting mechanism for financial creditors, allows commercial considerations in distribution proposals by the Committee of Creditors, and requires that dissenting financial creditors and operational creditors receive at least the higher of amounts under plan distribution or liquidation distribution, with retrospective effect where plans have not attained finality. Resolution plans are made binding on all stakeholders including government authorities, and the Committee may decide liquidation after its constitution and before the information memorandum is prepared.

MSME regulatory measures expand digital registration, procurement monitoring and delayed payment redressal to strengthen credit and technology support.
To stimulate MSME growth, the Government simplified registration through a one page Udyog Aadhar Memorandum, launched the MSME SAMBANDH portal to monitor public procurement policy for MSEs, and introduced the MSME SAMADHAN portal for registering delayed payment cases; complementary measures include a Credit Guarantee Scheme, Credit Linked Capital Subsidy for Technological Upgradation, cluster development, marketing assistance, skill and entrepreneurship programmes and the Prime Minister's Employment Generation Programme.

National Rural Bank proposal prompts consolidation and support measures to strengthen regional rural banks and governance frameworks.
Proposal for a National Rural Bank was considered but not pursued; instead the government pursued phased amalgamation of RRBs, provided recapitalization support to meet regulatory capital requirements, instituted periodic financial and performance reviews, and directed NABARD to deliver capacity building, policy support for human resources and grievance redressal through joint consultative mechanisms to strengthen RRB efficiency and rural credit flow.

Security enforcement under SARFAESI Act enables lenders to recover secured debts and requires approved valuation.
The SARFAESI Act enables banks and financial institutions to enforce security interests and sell secured assets without court intervention, subject to procedural safeguards. The Authorised Officer must obtain an approved valuer's valuation and, with the secured creditor, fix a reserve price before sale. Aggrieved debtors may appeal to the Debts Recovery Tribunal and then to the Debts Recovery Appellate Tribunal. The Act applies uniformly to debtors and, following substantive legislative amendment in 2016, there is no current proposal to amend the Act or Rules.

Mutual fund regulatory compliance: SEBI escalates enforcement for valuation, expense, borrowing, governance and disclosure breaches.
Regulatory oversight found compliance failures in mutual funds-improper expense appropriation, valuation non compliance, impermissible borrowing, maturity mismatches in closed end schemes, and sectoral concentration breaches-prompting warning and deficiency letters and enforcement proceedings; regulators have tightened disclosure, governance, expense, conflict mitigation, scheme categorisation, and cyber resilience requirements to enhance transparency and investor protection.

Infrastructure investment growth: government policy combines sectoral programmes with market financing and PPP mobilisation.
To boost investment the Government has advanced a mix of sectoral development programmes and market-based financing measures. Sectoral initiatives target transport, ports, air connectivity and power distribution through named programmes. Complementary measures emphasise innovative financing vehicles and market intermediation, including promotion of Investment Trusts and Infrastructure Debt Funds, mainstreaming of Public Private Partnerships with viability gap funding, periodic sectoral classification reviews, and establishment of a national investment vehicle to mobilise long-term infrastructure capital.

Infrastructure investment: government policy expands sectoral programmes and financing vehicles to mobilise private capital and funds.
To scale infrastructure investment and meet growth targets, the government combines sectoral programmes (roads, ports, regional air connectivity, power distribution) with financing and delivery mechanisms: innovative financing vehicles such as Infrastructure Debt Funds, Infrastructure Investment Trusts, Real Estate Investment Trusts; mainstreamed Public Private Partnerships supported by viability gap funding; regular harmonized sector classification; and the National Investment and Infrastructure Fund to mobilise and aggregate long-term capital.

Virtuous cycle model to spur growth: blueprint stresses private investment, behavioural tools, data as public good and legal reform.
The Survey proposes a strategic blueprint to achieve higher sustained GDP growth by creating a virtuous cycle linking private investment, jobs, exports and demand, with private investment as the main driver. It prescribes operational tools including application of Behavioral Economics to induce behavioural change, treating data as a public good, strengthening contract enforcement, and ensuring policy consistency to keep the economy on the strategic path.

Renewable energy expansion increases electricity share and creates sustained investment opportunities, reinforcing energy transition and climate mitigation objectives.
India is undertaking a large renewable energy expansion programme that has more than doubled cumulative renewable installed capacity (excluding large hydro) from 35 GW to 78 GW between March 2014 and March 2019, with a target to reach 175 GW by 2022. The Survey treats renewable resources as a strategic national resource tied to energy access, security and climate mitigation, and identifies sizable additional investment needs up to 2022 and further investment requirements for 2023-2030, creating sustained annualized investment opportunities while acknowledging an ongoing role for fossil-fuel generation.

Data as a public good must be enabled by government intervention to unlock societal benefits while safeguarding privacy.
Government intervention is necessary to treat data as a public good, centralising disparate administrative, survey and transaction datasets to enhance ease of living, enable evidence-based policy, improve welfare targeting and public-service accountability. The data system should rely on information shared with government with fully informed consent or lawfully collected data, and reform must address the four stages-gathering, storing, processing and disseminating-while embedding privacy, fairness and legal safeguards and using privacy-preserving technologies.

Social services spending boosts access to education, health, and social protection while expanding beneficiary coverage nationwide.
Expenditure on social services rose as a share of GDP to 2018-19, with increases in education and health spending; this fiscal prioritisation supported expanded coverage under major social protection schemes, enhanced gender-responsive financial inclusion and decision-making, improvements in education access and learning outcomes alongside remaining concerns on secondary dropouts and teacher shortages, and measurable gains in health indicators. Complementary skilling, employment and connectivity interventions aim to translate social investment into better employability and access to services, framing these measures as central to advancing human capital and Sustainable Development Goals.

Inflation control measures emphasize food-price stabilization and market interventions to sustain low headline inflation nationwide.
The Economic Survey attributes the multi-year decline in headline inflation to subdued food inflation, noting rural inflation fell more sharply than urban inflation and many States recorded lower CPI rates. It highlights food deflation driven by vegetables, fruits, pulses, sugar and eggs, and records moderate WPI movements. To contain inflation the Government uses monitoring, advisories, production incentives and market interventions, including strategic releases from the Price Stabilization Fund and utilization of buffer stocks to stabilize food prices.

Universal sanitation access drives behavioral change and public health improvements under the Swachh Bharat Mission.
The Swachh Bharat Mission seeks universal sanitation coverage by combining household toilet construction, behavioural change interventions and waste management systems; it reports large scale IHHL construction and widespread ODF declarations, ties these outcomes to reductions in diarrhoeal and vectorborne disease and adverse birth outcomes, and implements operational mechanisms including cash incentives with defined central-state shares, community participation, capacity building, geo tagging monitoring and complementary SLWM activities.

Rail safety improvements reduced collisions to zero and supported freight, electrification and green initiatives across the network.
Incidents of train collisions fell to zero and derailments decreased in 2018-19, while revenue-earning freight and passenger carriage both increased; Indian Railways is pursuing a program to electrify the Broad Gauge network by 2021 with a substantial portion of traffic already on electric traction, alongside initiatives for station cleanliness, green certification of stations and units, and upgrades to passenger amenities and mechanized maintenance.

Incentivizing infant firms to grow by replacing untargeted size benefits with age limited incentives and targeted credit.
Reorient support for MSMEs by shifting untargeted size based incentives to age qualified infant firms, imposing sunset clauses with grandfathering, using promoter identification to prevent misuse, and prioritising credit via Priority Sector Lending toward startups and infants in high employment elastic manufacturing and service subsectors to maximise job creation and productivity.