Despite 19% growth in disbursement for the full year, loan growth is lower at 15% on account of higher repayments/pre-payments/shifting to competitors. Management has guided for a modest loan growth of 15% for FY19. Higher loan growth of 31% in LAP and 47% in developer loans, whereas growth in pure home loan modest at 11%. Post RERA implementation, management is targeting higher growth in developer loan segment....