Letters to Editor - The HinduBusinessLineSENSEX 84,673.02 -277.93NIFTY 25,910.05 -103.40CRUDEOIL 5,290.00 -30.00GOLD 122,880.00 -47.00SILVER 154,836.00 -476.00SENSEX 84,673.02 -277.93NIFTY 25,910.05 -103.40NIFTY 25,910.05 -103.40CRUDEOIL 5,290.00 -30.00CRUDEOIL 5,290.00 -30.00GOLD 122,880.00 -47.00'; } document.getElementById("lgdv").innerHTML = htmlElements; } function numberformat(i) { return Number(parseFloat(i).toFixed(2)).toLocaleString('en', { minimumFractionDigits: 2 }) } async function gatherResponse(response) { const { headers } = response; const contentType = headers.get('content-type') || ''; if (contentType.includes('application/json')) { return await response.json() } return response.text(); } function getWidth() { if (Math.max(document.body.scrollWidth,document.documentElement.scrollWidth,document.body.offsetWidth,document.documentElement.offsetWidth,document.documentElement.clientWidth) > 991) { document.getElementById("mob").style.display = "none"; document.getElementById("lgdv").style.display = "block"; } else { document.getElementById("mob").style.display = "block"; document.getElementById("lgdv").style.display = "none"; } } getWidth();]]>By Baskar B _12373Updated - November 18, 2025 at 08:55 PM.Financial reformsThis refers to ‘Bringing financial reforms to the fore’ (November 18). Despite the rapid progress being made in financial and digital literacy, there are still many that are unaware of financial reforms being implemented.Literacy about various digital assets is vital to optimise their usage. The Central Bank Digital Currency in retail and wholesale, though available from all banks, is unfamiliar to consumers. The financial intermediaries must strengthen the use of CBDC for remittance settlement.The banking sector needs more governance reforms to step up its position in the global banking system.VSK PillaiChanganacherry (Kerala)Welfare pressuresApropos ‘How NDA can fulfill its promises in Bihar’ (November 18). I differ with the writer’s suggestion that scrapping prohibition is the only way to the NDA to fund the election promised schemes.Prohibition has helped the women in Bihar.There is a need to empower women with entrepreneurial schemes and financial inclusion in Bihar and scrapping prohibition will create hurdles. The new Bihar government can fund its welfare schemes by issuing bonds.Inviting private and foreign investment to establish new industries and creating more start ups could enhance employment.The migrating Biharis manpower can be used in the State itself with proper skill development for establishing industries.NR NagarajanSivakasiUncertain US dreamsApropos ‘Overseas students enrolment in the US falls 7%; India still tops list’ (November 18). Given the recent restrictions on visas, Indian youngsters should stop looking at the US as a dream destination.It is a good sign that student visas for the US have fallen and students are now looking to Ireland, Germany, Sweden for higher studies.The US universities are no doubt the best in the world, but given the increasing hostile attitude towards foreign students, it is time Indians reassessed their options.Katuru Durga Prasad RaoHyderabadPublished on November 18, 2025Sign into Unlock benefits!Access 10 free stories per monthAccess to comment on every storySign up/Manage to our newslettersGet notified by email for early preview to new features, discounts & offers${ ind + 1 } ${ device }Last active - ${ la }