Reserve Bank Governor Shaktikanta Das announced that 87% of the Rs 2,000 denomination notes being withdrawn have been returned as bank deposits, while the rest has been exchanged. He also stated that Rs 12,000 crore worth of Rs 2,000 notes are yet to come back. The RBI is focusing on the 4% inflation target and will maintain an actively disinflationary monetary policy until inflation decreases. The RBI flagged the issue of personal loans and urged banks to take steps to prevent any risk build-up. Gross non-performing assets have improved in the June quarter.