<h1>Finance Minister directs NBFCs to avoid aggressive loan marketing and maintain reasonable interest rates for financial inclusion</h1> The Finance Minister addressed non-banking financial companies at a symposium, directing them to avoid aggressive loan marketing and maintain reasonable interest rates. She emphasized that financial inclusion should not enable exploitation and stressed adherence to RBI recovery norms with empathetic practices. The minister highlighted the need for enhanced risk management as the sector matures, calling for data-driven decisions and robust internal controls. She noted that NBFC loan books doubled to Rs 48 lakh crore over four years, representing 24% of commercial bank credit volume with a target of 50%. The sector's gross NPAs declined from 6.4% to 3% since 2021.