AUM growth of the merged entity was reported at 60.5% YoY to | 71846 crore (| 65456 crore in Q3FY19). Excluding Gruh Finance, loan growth was at ~20% YoY, a tad lower compared to the previous run rate. Healthy traction continued in micro finance segment (~64% of merged AUM) at 19.6% YoY to | 46189 crore while non-micro finance book growth came in at 22% YoY. Deposit accretion continued to remain healthy at 32% YoY to | 57082 crore as of FY20 and | 58030 crore as of April 30, 2020. Margin witnessed an uptick of ~20 bps QoQ to 8.1%. Growth in NII came at...