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b15 which has been thrust upon us to increase penetration according to me is basically a wrong practice as it has not increased penetration, if we want to increase penetration, we need to add more pan based folios not start grading them on the basis of location. and these non addittion and continuation of b15 like incentves is not only increasing the difference between direct and regular but also making those investing in t15 through regular unattractive which might lead to malpractice