We are strong in last mile, small ticket, digital. In affordable housing, we grew 61% in 9 months: Ajay Ka

We are very focused and want to make sure it happens right, but there is enough runway for us to grow the liability side.. Congratulations firstly, since listing your stock has appreciated 24% and I am sure you are tracking the stock as well.. Ajay Kanwal: I must tell you that yes..

In affordable housing, in nine months, our growth rate is 61% and that 61% tells you there is lot of demand but you need institutions who are willing to then step up and say hey, listen this is a Rs 10 lakh loan, the person has a plot of land, wants to build a simple home on it, I am comfortable dealing with a customer with 10 lakh and giving him that kind of money and that kind of length of duration...

No customer wants to take home loan from one place and two-wheeler from another place and business loan from another place, it is just so difficult, with multiple KYCs and repayments...

Jana Bank is a small finance bank and they have experience in microfinance but they are not competing with the big banks, they are essentially competing with the NBFCs because they have a strong deposit franchise and the cost are lower but the target audience which was getting from an NBFC loan or an unorganised loan is the pocket you are going after..

Middle India should bank with a bank which gives them from a two-wheeler loan to a home loan to a LAP loan to a business loan to an unsecured loan..

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