[anuragsrathor]

I, on the other hand would say that things are better than before. And moreover, the no of credit card frauds is one of the lowest as compared to other countries.

It would be a bit more naive to say that RBI's policies are the worst, because these are the same policies which were much appreciated by the financial world during the 2008/2009 financial meltdown.

Yes, the policies are a lot difficult and sometimes does not makes sense. But it has been designed and implemented to be one of the robust financial systems in the world.