• Infrastructure PSL status: Soumya Kanti Ghosh proposed granting priority sector lending status to infrastructure and ESG financing, or alternatively excluding infra loans from Adjusted Net Bank Credit calculations to avoid lowering credit weights for weaker sections.
• Lending limit revisions: The proposal advocates raising priority sector lending limits across key categories, including affordable housing beyond ₹50 lakh, education above ₹25 lakh, renewable energy past ₹35 crore, and individual rooftop solar above ₹10 lakh.
• Bank infrastructure exposure: Rajkiran Rai highlighted that scheduled commercial banks hold only ₹13.5 lakh to ₹14 lakh crore of the system's ₹35 lakh crore infrastructure book due to asset-liability mismatches, supporting priority lending incentives and limits up to ₹200 to ₹300 crore for urban local bodies.
• Agri-infrastructure funding: Rai argued that priority sector lending should encourage corporate and bank investments in agricultural infrastructure, noting that expanded cold storage and warehousing directly benefit farmers.