This exact question was asked to Mr Vaidya on the recent CNBC interview after earning. https://www.youtube.com/watch?v=BpQ-AR6FIaU Listen from 0:45 mark onwards.
Here is explanation from the MD:
“It just a specialization it’s a specialization you have and people should be should appreciate able to lend a particular segment in a very low risk model with a low credit cost I think we should get used to.”
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