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The Reserve Bank of India (RBI), as the apex monetary authority, employs various tools to regulate the flow and allocation of credit in the economy. While quantitative credit control measures, such as the Cash Reserve Ratio (CRR), Statutory Liquidity Ratio (SLR), and repo rates, are used to control the volume of credit, qualitative or selective credit control measures are designed to regulate the *direction* and *usage* of credit. These measures aim to ensure that credit is allocated to productive sectors and not diverted into speculative or unproductive activities. This strategic approach reflects the RBI’s dual responsibility of fostering growth while ensuring financial stability. Nature and Purpose of Qualitative Credit Control Qualitative credit control measures are policy instruments intended to influence specific sectors of the economy by altering the terms and conditions under which credit is extended. These measures do not aim to reduce or expand the overall quantity of credit, but rather to ensure that credit flows into priority sectors like agriculture, small-scale industries, exports, and infrastructure, and away from speculative areas like real estate, stock markets, or hoarding of essential commodities. The selective credit controls are based on moral suasion, policy directives, and regulatory instructions to commercial banks and non-banking financial companies (NBFCs). They aim to maintain credit discipline, reduce financial risks, curb inflationary __________ ______ __________ _____ ________.
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