In a strategic move to improve Andhra Pradesh's financial health, Chief Minister N. Chandrababu Naidu instructed officials to negotiate with banks and financial institutions to reduce the interest rates on existing loans. He estimated that lowering these rates could potentially save the state nearly ₹7,000 crore, addressing the financial setbacks caused by rate hikes during 2019-24 when the state's image had suffered. Naidu highlighted that despite these challenges, efforts such as loan rescheduling had already generated savings of ₹512 crore last year and ₹1,000 crore so far this year. Naidu also addressed the issue of underutilized Central government funds, revealing that ₹1,170 crore allocated across various departments remained unspent. He mandated that all departments fully utilize these funds by December 20 and promptly submit utilization certificates to the Centre, a step necessary to unlock further releases of central funding. This dual approach aims to strengthen Andhra Pradesh's fiscal position by reducing debt servicing costs and ensuring optimal use of available resources.