HDFC Bank saw a 25% rise in PSL shortfall, largely due to small farmers necessitating RIDF bonds. Suresh Ganapathy aims for a pre-merger credit-deposit ratio within 3 years. CEO Jagdishan plans to align loan growth with deposits. Shaktikanta Das calls for prudent balance in lending. FY24 showed a 7% attrition drop and significant home loan disbursals increase.
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