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        Cases where this provision is explicitly mentioned in the judgment/order text; may not be exhaustive. To view the complete list of cases mentioning this section, Click here.

        Provisions expressly mentioned in the judgment/order text.

        <h1>Deregulation of bank credit enables increased rural lending after the Covid period under banks' own lending policies.</h1> Banks extended substantial numbers of loans in rural areas after the Covid period, with public sector banks reporting over twelve lakh loans between April 2020 and November 2022, and banks providing credit to youths for setting up enterprises. Credit decisions, including interest rates, are governed by banks' internal lending policies following the Reserve Bank circular of 9 April 2010, which deregulated credit matters and permits banks to set terms within regulatory guidelines considering cost of funds, margins and risk premiums. Establishment of industries remains a State subject.

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