Great work manas. i am sold on the idea almost. growth is almost never an issue for such small businesses, if the management tries. and software change and rating, show that something has changed (quite important in my view). i guess PB etc is also not so important, as you rightly mentioned that branches are still operating at sub standard levels. divd is the strongest indicator of management intent… dont know what else to ask, may be one round of visiting the branch and trying to get a loan which will further prove a few things you have written… i am in mumbai, somebody from gujarat may be?
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