RBI Deputy Governor R Gandhi has said that the apex bank will continue to remain cautious towards the real estate sector. Addressing a realty summit in Mumbai, Gandhi said that RBI does not want rapid flow of credit towards the sector which may result in asset price bubbles. Mr. Gandhi, however asked lenders to be more financially innovative in designing home loan products. Addressing a realty summit in Mumbai, Gandhi suggested that one such product would be savings-induced home loans or a home loan deposit.On the repeated calls for allowing money from the pension funds and insurance into the sector, Gandhi said people need to be sensitive to the fact that the restrictions are due to some purpose, adding there is an element of trust in these corpuses.On the realty players' refrain that money from private equity funds is easier to get rather than from banks, he reiterated that banks deploy money collected from depositors and do not raise funds of their own.Talking about the issue of banking licence for India Post, Mr. Gandhi said the union government has to take a final call on the issue. RBI, which approved only two names out of the 25 applicants in February this year, had left it to the government to decide on the way ahead with India Post's application.While the finance ministry is believed to be skeptical about the plan, some experts believe that the existing network of India Post, which has a network of over 1.5 lakh post offices countrywide, makes it an ideal candidate.