Our trip in life is our gross NPA should never cross 2%, our net NPA 1%. We are working to that formula: V Vaidyanathan
“Suppose our loan book today is Rs 1 lakh crore. If a balance sheet doubles every three and a half years or so, we should look at Rs 5 lakh crore, Rs 10 lakh crore and Rs 20 lakh crore. This game will never stop, it will definitely go past my lifetime. 25% growth per annum, 2% ROA will be IDFC First Banks story for a long, long time.”