The Reserve Bank has cautioned that "unbridled" financial inclusion drive could create problems and asked banks to take adequate safeguards in this regard. Addressing an event in Mumbai, RBI Deputy Governor H R Khan said that sometimes over-enthusiastic, unbridled financial inclusion without safeguards can create problems.And if problems come, recovering from them will be another problem. Mr Khan said that care needs to be taken about what sort of portfolio will be built through financial inclusion; what is the quality of the portfolio and who are the people who are generating the portfolio. He also said that technology alone cannot help in this matter. Mr Khan said bankers are already concerned about the 5,000 rupees overdraft facility given under the Jan-Dhan Yojana and advised the lenders to devise the right framework to deal with the issue. He said that many bankers are scared to lend if they don't know the credit history of the person.So far, banks have opened 12 crore accounts under the scheme since last August, covering 99 per cent of the target. Mr Khan said that the focus of financial inclusion should now shift to more meaningful and more sustainable financial inclusion