well this is purely my personal view , i may be totally biased.
I like the credit/lending business because of many reasons ,i think we all write 10 of them.
First when any country grows at 8% the biggest beneficieries will defenitely be lenders.
Second thing is the overall perception of indian PSU banks is changing , look at BS of all PSU banks in last 3 yrs.
Third thing is , The perception of RBI towards NBFC is also changing, look at the last 12months circumstances.
and also try to understand the kind of practice this NBFCs are doing.
Fourth factor is JIOs entry which impact may be less but not negligible.
Fifth, if u understand problem of CD ratio, the only solution is to go to villages and increase ur customers base, and obviously lend to micro finance customers.
tell me who will be looser of all this factors… …
Disc. Not invested in arman Holds Canara bank , JK bank & BOB
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