Preamble: Keeping in view the guidelines issued by RBI from time to time and the good governance practices; the following components are factored in determining the interest rate and other charges chargeable to the customers.

Cost of borrowing: The prevailing cost of borrowing applicable for the company to achieve a complete matching of assets and liabilities. The company’s borrowings is expected to be a mix of fixed rate as well as floating rate borrowings while all its loans to clients are expected to be on fixed rates. The pricing factors in the risk associated with this.