There were same concerns raised about HDFC Bank in 2013-2014, when many investors used to believe that, it will be difficult for HDFC Bank to continue to grow at 20% beyond 2013-2014, but see what has happened.
Many banks which were considered as “Next HDFC Bank” (Yes Bank, INDUSIND Bank) have had their own problems and HDFC Bank seems to be still growing at decent 15 to 20% in terms of Loan Book as well as profits. It may surprise us in future as well by still growing at good rate.
Kotak Bank is more risky due to their higher NPA(s) and exposure to risky areas, but still managed conservatively as compared to most of the other banks.
Let us what happens in next 4-5 years.
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