A reader, Shishir Sindekar from Nasik, shared his views on banking reforms in India. He said financial inclusion and literacy should be top goals when making banking changes. The UID project must also protect poor citizens. Sindekar pointed out that modern banks lack personal touch, and people in semi-urban areas avoid ATMs. "NextGen banking may fail in rural areas," he warned. He agreed that India needs more banks and fresh ideas. Competition will remove weak players. However, Sindekar highlighted a key fact: out of 9,000 private bank branches, only 1,138 serve rural zones. This shows private banks are not interested in rural customers. He supported the Economic Times idea that "Before they compete, let banks consolidate." The Narasimhan panel also advised having fewer banks but more branches at the national level. This balance of consolidation and expansion could improve banking reach across India, especially in villages and towns.