GRUH Finance – mini HDFC

I am not saying that this banking revolution is happening tomorrow.But with the RBI / govt focus on achieving inclusive tech based banking it could happen in the future . Some of these companies like Airtel , Vodafone , India post , Paytm already have a network in place, you add big a bank participation its not inconceivable.

Repco plus gruh form 40% of my PF. We give high BV to them on the basis that they have years/decades of growth ahead. I am just worried about potential competitors/disruptions .
My view point is still that Gruh & Repcos niche lending/appraisal experience cannot be replicated easily. But it serves to look out for these disruptions.

Thanks rajpanda for the video link. It triggered me to look at this angle.