The company intends to reshuffle its existing borrowings by reducing its bank borrowing contribution from 60% at the end of Q3FY15 to 50% and replace the same with capital market instruments. In addition to, DHFL's long term credit ratings have been upgraded to CARE AAA (Triple A)' by CARE and AAA (Triple A)' by Brickwork. This would reduce overall cost of funds by 35-50 bps. Considering intense competition in the housing loan segment, there will be downward...