The Reserve Bank of India 's (RBI) insistence on companies opening current accounts with banks is among the factors that has helped large lenders such as HDFC Bank, ICICI Bank and SBI raise their shares of the competitive corporate banking market in 2020, according to a report. Apart from the RBI rules, the government's mega merger to reduce the number of state-owned banks has also helped in the trend, rating agency Crisil said on Wednesday in the report. In mid-2020, the RBI had come up with the circular that specified which bank can open a current account for a borrower, in order to check any misuse through multiple current accounts.