The lenders get in touch with CICs while doing diligence on every credit proposal, which triggers in inquiries. It can be noted that many analysts have said that a large share of the incremental credit demand is coming from the more aggressive private sector lenders who also have larger capital buffers.source https://economictimes.indiatimes.com/industry/banking/finance/banking/psbs-get-more-retail-credit-inquiries-than-private-banks-during-jul-aug-report/articleshow/78254777.cms
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