micro finance (12% of overall mix) segments. Improving collections (90%+), fee income pick-up (12%QOQ in Q3) and cost efficiencies should aid offsetting select segments stress and somber NIMs (the liability re-pricing benefits stand already behind). As return profile promisingly surpasses 10% mark and poised for 12-13% range over FY22-23E, we tweak the book value...