As I understood from 1 of TV call, Mr. Sudhanshu informed that 65% of the IDFC loan book is in fixed interest cost basis. If the repo rate comes down, this would help bank. Also around 13000 crores high cost borrowings will be replaced with low cost funding. NIM would continue at around 6 %. If the opening of branches is slowed down, the expanses will reduce & profitability will increase.
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