RBI governor Raghuram Rajan expresses disappointment over the use of Aadhaar being curbed; says it can help regulators contain over-borrowing.  Limping global growth coupled with uncertainty about US growth probably compelled US Fed to stay on hold, he says, and adds that the key for sustainable growth is low inflation not just today but also in future. With payments banks and small finance banks in, going forward all banking licensing to be on-tap.