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In addition to above we may be required to provide sell goods or services on credit due to non-availability of cash with our customers/ suppliers and in that case the bank funding may be helpful to us. After few months when the covid impact will be over or with the availability of vaccine the things will start moving on towards normalcy so we must take advantage of bank funding as per government schemes. As the government has made provision for repayment of covid funding in installments and that too with moratorium we must avail them but keeping in view our capacity to repay.