Atul Jain

We consider irrational competitive activity as a feature, not as a novelty. We prepare for that scenario.

We should be towards the upper end of the medium-term guidance, may not beat that.

If there is a policy rate hike, it has never happened that there is no pass-through has happened. The pass-through may not be full, but it is not a scenario where banks or anyone will not pass through.

We estimate the quarter four was an exception because normally as per normal process it should have gone stabilized by February, March... But quarter four, February, March, we saw significant high intensity competitive activity in the market on the pricing side from both public sector banks as well as the private sector banks.

Irrational competitive activity as a feature not as a novelty so we prepare for that scenario.

The competitive intensity is a feature not a novelty in the market.

We are hoping for that our home loan teams will disperse more than what they are discussing. So they'll grow much faster. But we are ready for a plan B which is if our non-home loan businesses continue to grow at the pace then we will assign.

We are a low-risk company which is reflected in our risk performance over the years. Our anchor product remains always a low risk which is prime housing.

We feel the competitive intensity is a feature, not a novelty in the market.

Our anchor product remains always a low-risk which is a prime housing as well as a Lease Rental Discounting.

We are hoping for that our home loan teams will disburse far more than what they are disbursing.

We do not believe in cutting the price, but we believe in always being competitive in the market.