Banking · Financial Inclusion and Infrastructure
The Open Credit Enablement Network (OCEN) primarily addresses which of the following structural challenges in India's credit market?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1Inadequate infrastructure financing for greenfield projects in Tier-2 and Tier-3 cities
- 2Credit exclusion of MSMEs, gig workers, and informal sector participants who lack collateral but have verifiable cash flows✓
- 3Inability of foreign banks to access and compete in India's domestic credit market
- 4Rising non-performing assets (NPAs) in public sector banks due to large corporate defaults
Correct answer
Credit exclusion of MSMEs, gig workers, and informal sector participants who lack collateral but have verifiable cash flows
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