Main takeaway message from interview I think is :
Unorganized lenders are the biggest players in this sector and they account for an estimated two-thirds of all lending,
Although banks are gradually attracting some of their customers, the market remains extensive, presenting ample opportunities for growth.
Any how market is assuming zero or negative growth and hence valuation is below book.What I noted is everyyear it follows 52/52/52 rule as it goes from 52 week high to 52 week low in 52 weeks
And cycle repeats 
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