According to RBI’s credit risk management guidelines, banks should independently verify the creditworthiness of borrowers without relying solely on credit appraisals prepared by external consultants. Additionally, to ensure appropriate use of funds, banks may require certifications from auditors if there is any suspicion of fund diversion. This approach helps in mitigating the risks associated with misallocation of resources. In cases where the bank identifies a risk of diversion or misuse, they should also conduct periodic reviews and ensure that ____ is not infused as equity in other companies, especially in high-leverage projects.