IDFC First Bank Limited

I believe in the chaps at KMB.
They can pull off 15% growth for another decade.

IDFC First, can fall either way. If they make good on their guidance, it will be positioned somewhere between Bajaj Finance and KMB. Cuz, its retail focused, where margins are high, book is granulized, no DSA (better margins), at the same time cost of capital is only a little higher than KMB.

Bajaj Finance is trading close to 9 PBV and IDFC First is around 1