i agree with the bank policy if they are trying to create a niche for customers of certain profile. It is not possible for a bank to service their customers well if they try to provide all services to every customer coming through the door. Every bank should first decide on its customer range then only it can design its products and delivery system to ensure proper co-relation between income and cost.
IDFCFB has already decided that it will not touch Infra customers and only 15% to 20% loan book for wholesale customers. The retail customers have already been segmented and being fine tuned as they go forward. I am invested since 2018 and I feel the bank should give superior returns for next three years and then settle down for normal growth as per their competency.
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