RBI Deputy Governor, R Gandhi has asked the Credit Information Companies – CICs and banks to 'counsel' the youth on good credit behaviour. Addressing a seminar in Mumbai yesterday, Mr. Gandhi said the young borrowers are oblivious of consequences of non-repayment on their credit track record. He informed that the Non-Performing Assets of educational loans under 4 lakh rupees was 7.54 per cent as of March 2014 as against the overall average of 4 per cent.