Loan growth picking up pace: After several quarters of slower growth in disbursements and loans, the same grew at a robust pace of 58.1% to 4,712 crore and 34.4% to 11,466 crore, respectively as on 31 Dec'17. Additionally, of the total gross loan book, only 10% is pre-demonetisation era, rest all has been disbursed post 1 Jan'17 and has 99.8% collection efficiency. This builds further comfort in the growth going ahead management guidance of ~30% sustainable in the long term. BFIL has maintained their guidance of disbursements at 19,500 crore and gross loan book at 13,500 crore for FY18. Over FY17-20E, the loan book is...