The Centre's "just-in-time" mechanism for releasing funds to government agencies has led to banks losing out on low-cost current and savings account float. Public sector banks, such as State Bank of India, are now focusing on raising more current account deposits from trade and industry to make up for the gap. The shift to this fund release method aims to save money at the overall level and improve expenditure assessment. The finance ministry is also ensuring that government agencies exhaust their account balances before seeking funds.