Indian Banking has moved a long way from those times. Over the years, massive computerization enabled banks to consolidate their databases and led to Retail Lending Products to be designed for the customers. The most prominent one being Credit Card. Persuasive and Lucrative calls offering Credit Cards to almost everybody who had some kind of earning led to a proliferation of Credit Cards. Other Products like Personal Loans, Consumer Loans, Vehicle Loans and Home Loans caught the imagination of Indian Working Class from Low to High Net worth Individuals brought very rewarding business for the banks.
