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only after the settlement of the formula for revision it cannot be precede the settlement regarding cost Banks capable for the cost they are making huge profits nowadays as already explained RBI formula should be in instead upon IPA had admitted that pencil scheme in Banks and RBI are similar in all respects and this similarity in all respects the small committee form of formulating the regulation has also agreed that RBI formula should be adopted the anemone passed retired is drawing more pension that the recent is can be corrected and special announced also in arriving at the basic operation thus spatial announce issue will also be solved thank you [Music]