....."Getting approvals from RBI was a tremendous task. The pocket we zeroed in on was an NRI (non-resident Indian) belt of Punjab that is presumed to be an affluent block of the state. Nevertheless, there were unbanked villages and suburbs there, and commercial banks (both public and private) did not open branches there due to the low volume of business. Being a small player, we found it viable to set up branches there,"................
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