Main bear story atleast for mid to short term for cards is UPI plays may be totally not accounted so will it benefits (i will say yes) , second is credit cost at least in mid term would be high and that will result in less profit growth rate.
Even if the card space is good but SBI cards is not the best bet overalls it’s just the only bet we can take directly as the growth and aggression is the least in all of them.
One big investor problem is that finance has to many problem right now and is actually a sector that no matter how fast it grow will not be rewarded as the picture in future is not that clear at least in mid term basis
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