<h1>Credit discipline reforms strengthen bank governance, stressed asset resolution and MSME credit access through regulatory measures.</h1> Reforms strengthen credit discipline via statutory and supervisory tools, including the Insolvency and Bankruptcy Code, a central repository for large credits, automated Early Warning Systems, and market based transfer mechanisms for stressed assets supported by a National Asset Reconstruction Company; governance, EASE benchmarking, PSB amalgamations and technology adoption complement these measures, while MSME credit access is enhanced through government guarantee schemes and a new digital credit assessment model and banking law amendments aim to raise governance and depositor protections.