IDFC First Bank would begin to grow its loans with a particular focus on retail as it comes out of nearly four-year self-imposed restrictions on growth while building the deposit franchise. The bank created out of the merger of an infrastructure lender and a non-banking finance company began life with multiple disadvantages - poor retail funding and rising bad loans from infrastructure lending. But that is changing for the better, said V Vaidyanathan, chief executive of the bank in an interview ..
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