Retail Retailers Association of India welcomes RBI governor's announcement of one-time restructuring of loans Updated : August 06, 2020 05:32 PM IST The fortnightly Retail Business Surveys conducted by RAI have highlighted the sales degrowth on a y-o-y comparison estimated at -64 percent in the first half of July 2020. More than half the retailers surveyed by RAI, however, had not got the moratorium from their banks. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.