RBI SHOULD LOOK IN TO THE INTREST CHARGES CHARGED BY BANKS THEY ARE ENOURMOUS AMOUNT ,THEY CHARGE INTERST AS WELL AS LATE PAYMENT FEES WHICH IS A HUGE AMOUNT ,INTRENATIONALYY THE INTREST RATES ARE VERY NOMINAL INIDA IS THE ONLY COUNTRY WHERE THE CUSTOMER IS FLEASED RBI KINDLY LOOK IN TO THIS,RBI WE ARE ARE INDIANS