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Will the RBI liquidity window turn small banks big? SECTIONS Share Synopsis According to industry captains, the new facility would help them to get about 1-1.5% positive carry on the borrowed fund, even after investing the same amount into government securities as mandated by the central bank. Agencies The banking system including small finance banks is sitting on cash surplus of Rs 7.12 lakh crore. Small-finance banks are likely to turn more competitive with the latest Rs 10,000-crore support from the Reserve Bank of India (RBI) as they would get such funds at 4% for three years - a rate significantly below their average cost of funding. ....