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Digital Banking in Bharat
Banking is still unserved and underserved here if we don't have so few industries in the world where you can go and execute your risk. All new licenses that will come henceforth will all be predominantly digital retail even though i absolutely agree with you that the past has not been so successful because people had digital as a supplement. There's an over crowding of banks whether it's psu international private sector small private sector old new. We've chosen to discount some models which were just make it very convenient and easy for people to deal with but not really make it very capital intensive. The only way we can penetrate banking into bharat is through digital it is not possible in the