The bank is planning to expand its MFI portfolio from the current nineteen states by adding two-to-three more states in the coming months, (b) Incremental growth is due to new customer addition (22% of its customers are new to credit), rather than an increase in the average ticket size. This is evident from the average ticket size, which currently stands at INR27K (nearly stable for large few years) whereas the maximum ticket size is capped at INR40K, (c) RBL Bank has deployed ~400 employees to man the BC branches to ensure proper checks and balances at the time of disbursing the MFI loans, (d) Management has guided MFI portfolio mix to improve to ~13%-15% (from current 9% levels) and (e) Management is building in ~1.5% credit cost in its MFI portfolio and is expected to build some contingent provisions (going forward) to counter event specific risks.