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place. Another factor that backed this calculated risk was operational efficiency and high-quality portfolio along with a sound track record.

Meanwhile, it is important for prospective loan borrowers to know that there is more to the scheme. Yes, loan applicants will be charged with fixed interest rate whatever their amount be. However, later when floating interest rate will come into picture, things will vary. Moreover, NRIs (Non Resident Indians) and PIOs too can take advantage of this scheme. Interestingly, this is being identified as one gimmick that has resulted from consistent favourable performance even in times when the entire economy including the banking sector (of course)