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₹1,59,660 crore Kranthi Bathini, an equity strategist at WealthMills Securities, told Business Insider that this place the bank in a better position compared to other peers. “Whenever an unsecured loan is disbursed to a salaried government employee the probability of a potential return is on a much higher side. And that makes the quality of the book strong in any case. Since it is specifically mentioned that this book is disbursed to the govt employees then it is fully insulated from ups and down in the economy and moratorium too,” added Bathini. Advertisement Everyone is afraid of th...