ff Gross NPA in non-individual segment increased substantially in 1QFY18 as the company recognised loan worth Rs9.1bn to one of the accounts referred to NCLT/IBC by the RBI. The Company has adequately provided for on same and does not foresee any further hit in profitability from the aforementioned account. ff Individual disbursement growth trajectory began normalizing in 1QFY18 after sharp decline in 2HFY17 due to demonetisation, which the Management expects to improve further in FY18. ff Non-individual loan contributed 36.1% to incremental growth in HDFC's loan book in 1QFY18 compared to 28.7% in 4QFY17 and 12% in 1QFY17....