Reserve Bank of India Governor, Shaktikanta Das on Thursday said that the timely action and prompt measures has moderated the growth of unsecured loan, adding that failure to do so could have led to a "bigger problem". Addressing the second edition of the global conference on financial resilience organised by the College of Supervisors (CoS) of the RBI, Das said that the positive impact of timely interventions "resulted in slowing down growth of unsecured loans."