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ACE would encourage overdue borrowers to temporarily pay off their loans and then quickly re-borrow from ACE.
To the extent that consumers do comprehend what will happen when the loan comes due, underestimation of future expenditures and optimism bias will cause them to misunderstand the likelihood of repeated reborrowing due to their belief that they are more likely to be able to repay the loan without defaulting or reborrowing than they actually are.
Those requiring a scribe should mention it.
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Economic affairs secretary Shaktikanta Das said recalibration of ATMs has already started and they will start dispensing the new Rs2,000 currency notes from Tuesday.
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 Other media reports indicate that growth in ATM usage has decreased, possibly in relation to the amount of fees imposed by banks.
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