Hi. It is not going to be a tough journey for any payments bank to grow very quickly in lending as strong lending franchise is built on experience. Further, Fino wants to have a low lending base only and wants to focus more on fee income.
Equitas/Ujjivan have reached here today after more than 15 years of micro finance experience. If you compare these banks to with Suryodaya/utkarsh they are not such stable businesses.
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