continued disbursements momentum which should cushion earnings ahead, we remain circumspect on asset quality. Status-quo on SC order is masking the true asset quality picture; we maintain 6.6%-6.7% NPA forecasts over FY21-22 with credit costs uptick to 240bps for FY21. As return profile for FY22-23 stands weak at ~10% RoE/ 1.2% RoA, we reiterate SELL, valuing...