MAS Financial Services – High RoEs, Decent Growth

Thanks for detailed reply.
But what I pointed is completely different,
NBFC business is not easy that is not the point…!, bandhan Bank and SKS are completely different story from each other as well as from MAS also.
Mr.Kamlesh born in a town 25km from my town, I have seen them growing from 2 cr to 10k crs.
What strenth they have is pure pure lower penetration of banks and NBFCs.
That’s why they have grown, they have taken 27% on mortgage loans, does it possible in upcoming days.
Now they r focusing on home loans!!!
Can anyone tells me what they will achieve ?
They accepted now there is no room for growth, and to run the show and to protect their AUM they r riding on HL and ML.