Peace ! I think (in my small mind and small brain ) risk to gruh is a repeat of 2006(icici launched teaser loans at 6% and sbi later at 8%) – gruh did not respond on price but reduced it loan book growth % . Why would not banks enter the self employed low ticket space perhaps create focussed teams to do this is a question .Risk of money becoming a commodity in new modi’s world where everyone will have a bank a/c and banks will manage to give loans to those without income proof mainly individuals since collateral is safe.Gruh will still grow but can it still get 13 times book in this new brave world is the question.
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