Rahul Shyam Shukla, Head of Commercial & Rural at HDFC Bank, discusses the challenges of agricultural lending, including weather-related risks. He emphasizes the importance of maintaining a GNPA (Gross Non-Performing Assets) between 4% and 5% and pricing it correctly. Shukla also provides guidance for the Commercial & Rural division, including expecting a 25-30% growth rate and a pre-tax ROA (Return on Assets) of over 3%.
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