Suggestion:When anyone defaults in PSB's repayment, restrictions can be put to utilize the benefit of government schemes(subsidy/(ies), pension, Ayushman...). So that defaulted borrower may not be able to use public funds twice (PSBs loan+ GOI Welfare funds).Since GOI is putting efforts for a better life of people by way of collateral free loans like Mudra, Stand up, small KCC etc. There is a thin line of willful/ actual default, hence there would be something which may motivate the citizens for loan repayment. GoI may relase the restricted funds during default once he repays the loan. https://twitter.com/DeepakP89467637

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