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Since the beginning of pandemic, the whole world has undergone significant behavioural changes at all levels and India is also not an exception.
We expect the Union Budget to encompass such behavioral changes of public. What are such behavioral changes?
To begin with, spending habits of consumers changed significantly during pandemic within essential, non discretionary and non-essential, discretionary items.
Interestingly, our most important finding based on State Bank of India credit card spends are primarily two-fold.
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