"We are a large country and a large market which is underpenetrated in credit. The policy-led transformation of agri and strong policy support for MSMEs will continue to allow banks to find high growth opportunities for a long time to come without any undue credit concerns."source https://economictimes.indiatimes.com/industry/banking/finance/banking/this-quarter-we-are-going-to-surprise-ourselves-on-npa-recovery-front-rahul-shukla-hdfc-bank/articleshow/85975099.cms
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