Harshvardhan, state programme officer, UNDP, Bihar, was vocal about rural credit and talked at length about the important role being played by MFIs in the state. “Rural credit for agriculture for sustainable growth at reasonable rate of interest has always been the issue in Bihar and Kautilya too has dealt with it in Arthshastra.” States like Bihar can attain inclusive growth only if unbanked people are given the facilities by MFIs supported by banks and other financial institutions, he concluded.