25k-30k-35k crore, whatever the CASA is after 3 years, would directly replace the borrowing done at 8.5% to 8.9%. One can make out the additional profits. In addition, there would be retail term deposits too which will reduce cost of funds.
Having heard a dozen+ bank/NBFC managements on concalls/interviews, I think there is none more passionate/committed than Vaidya. nice read https://www.capitalfirst.com/pdfs/v-vaidyanathan-secret-diary-of-an-entrepreneur.pdf
Leads me to believe that since idfc bank + capF is 1.1 times combined BV, and very few FIIs, MFs own it, there’s scope of very fast appreciation as well as massive long term potential as soon as people start to realize the opportunity.
Disc: invested in CapF, views are biased.