blessing in disguise

So today, I read a new that due to restriction by Rastra Bank to issue new licenses to open Class A,B and C  financial institution,more and more promoters are interested in opening  Class D (Microfinance) institution.

The article say-So far the central Bank has received 45 applications.Currently,there are 23 MFIs operating in the country.

This makes me wonder whether restriction on setting up large scale banks are a good startergy to increase financial inclusion?

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