A critical way to serve this need is to create a "third funding mechanism". That means drawing in money from the private sector in addition to the corpus that signatory governments and trusts provide
The Chinese phone brands, are keen to establish their own NBFC which will help improve margins by allowing them to directly sell financial products to their consumers
From lenders or purely fund raising point of view, money could more safely be deployed with the government entities like the NHAI and the IRFC than with private companies