Hiteshbhai good question . please elaborate more on ways that can be achieved( enhanced return ratios ) .
My opinion is that they have very few levers(they are already using CP funding ) and it will be very difficult to change the culture of company. they can (should ?) not go into non salaried class where yield is higher but you need better risk management & customer creditworthiness check are difficult.
so now stock price growth may be some re-rating (if any left) + annual business growth (which is not bad )
your view will be awaited ..
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