Indian shares opened lower on Friday, dragged by financials after the Reserve Bank of India tightened consumer lending rules. The NSE Nifty 50 index (.NSEI) was down 0.38% at 19,690.05 as of 9:15 a.m. IST, while the S&P BSE Sensex (.BSESN) fell 0.34% to 65,761.19. Reporting by Bharath Rajeswaran in Bengaluru; Editing by Varun H K and Sohini Goswami