World Bank approves $4.3 billions in loan to India

Nothing particularly significant in this, except what a portion of the loan is meant for: to shore up the capital of some of the state-run banks. Two questions: 1) What is the need for a loan from the World Bank for this insignificant -- relatively speaking -- amount when we have something like $258 billion dollars of foreign exchange reserves? 2) Do these loans come attached with any conditions related to deregulation or 'financial innovation' that these banks must agree to?