Diversified Lending business is never cyclical.
Yes there will be times of cycles in economy , where consumers repayments aren’t being met, due to cyclicality with the individual sectors like agri distress or rural or urban economic distress, is when the npas of these lenders shoot up.
But if one looks over a period of time, that evens out.
If we look at the history, best value creators have either being consumer facing companies, or lending businesses.
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