Green shoots are becoming visible in India’s investment cycle, according to Kotak Mahindra Bank director Shanti Ekambaram. The government’s focus on infrastructure development has created opportunities for private sector capital expenditure. However, the RBI has tightened norms for unsecured consumer credit, prompting caution in the financial sector. Last month, the RBI revised norms for risk weights on certain consumer loans, affecting the capital adequacy ratio of banks.