20 bps as concern is like asking a student why he got 98.9 percent and not 99 percent. They have said their model allow for 3% npa .
SBFC ipo is coming with worse return ratio and is valued at 2.6 bv , if it open at any premium (gmp is 40) p/bv would be near 4…In that case ugro would catch up or may be it would at 360/380 by august end… Lets hope for best openeing for SBFC 
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