Excluding microfinance and one toll account, credit cost for the overall loan book of the Bank was 1.76% in FY25. Sequentially, it has improved by 9 bps from 1.82% in Q3-FY25 to 1.73% in Q4-FY25.

Sachin Shinde is an accomplished software engineering professional with over 12 years of backend expertise, based in Fremont, ...