| http://www.w3.org/ns/prov#value | - ur years by forgoing complex procedures.President of PHDCCI Arun Kapur said there is a need to further improve the credit delivery system and reduce cost of funds.Mr Kapur said the CRR should have been reduced by one per cent and the RBI should have also given the road map to bring down the CRR to the minimum stipulated level of 3 per cent.
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