Deputy Governor S C Murmu warned lenders that chasing loan growth can’t mean ignoring asset quality; especially as NBFCs now hold 27% of all bank credit. That’s a big chunk. And with AI and stress tests being pushed as safety nets, the RBI isn’t just watching; it’s preparing for trouble. For job seekers eyeing roles in finance or RBI-linked exams, this is the kind of policy shift that shows up in interview questions. Think: What happens when credit grows too fast? Who’s responsible? And why does asset quality matter more than ever? One thing’s certain; the next RBI exam might test your understanding of this exact balance.