<h1>Economic Survey 2021-22: Banking System Resilient Post-Pandemic, UPI Booms, MSME Credit Rises, Pension Sector Expands.</h1> The Economic Survey 2021-22 indicates that the commercial banking system has managed the economic shock of the pandemic well, with bank credit growth at 9.2% as of December 2021. Personal loans saw an 11.6% increase, while agriculture and MSME credits grew by 10.4% and 12.7%, respectively. The Unified Payments Interface (UPI) facilitated 4.6 billion transactions worth Rs. 8.26 lakh crore in December 2021. The Factoring Regulation Amendment Act, 2021, aims to enhance liquidity for MSMEs. Deposit insurance reforms and significant equity fund mobilization were noted. The pension sector saw a 23.7% increase in subscribers, with assets under management growing by 34.8%.