Ramesh Iyer, MD & VC of M&M Financial, discusses the growth of the loan book and the slower growth in the tractor segment. He expects the rural market to continue performing well and predicts that pre-owned vehicles will see faster growth. Iyer also shares the company's plans to enter the insurance sector through partnerships. He acknowledges the rise in borrowing costs and the need to improve NIMs. The asset quality remains under control, and the company is confident in achieving its growth targets.