Some Indian Banks have reduced rates on retail loans after RBI reduced the MSF rate to 9%. This is a welcome move. This will improve the consumption levels benefitting industry as a whole. Banks can also promote their scheme for loan against property, which will help small business to finance their ventures. Small businesses not just produce goods, they also provide support services to larger business enterprises. This will also help the growth of economy. Retail and small business loans can provide a big boost to the growth of Business of Banks. Stake of business owner will reduce the chances of becoming NPA.