HDFC's asset quality remains stable with gross stage 3 assets stood at 2.34% vs 2.28% QoQ (vs 2.28% YoY) better transit over Covid -19 impact. Also, restructured assets stood at 0.8% (lower than 0.9% Q3FY21) of AUM which majorly comprises of one large real estate builder group (0.5% of AUM). PAT grew by 42% YoY (up 9% QoQ) led by lower ECL provisions (down 44% YoY). NII grew by 14% YoY led by improvement in margins. On adjusted basis for FY21, PBT grew by 19% YoY. Collection efficiency for individual loans for March month stood at 98% vs 97.6% for December month. Disbursements for individual loan segment grew by 60% YoY reflects housing demand remains robust. March 2021 witnessed the highest ever...