"We covered ourselves from possible mounting credit risk by decreasing our level of acceptance for new applications (...) to market level"

"For 2012, we expect the consumer lending market to be pretty stable"

"The central bank is looking to ease the short-term credit crunch. This represents a great opportunity for consumer finance."

"Demand for consumer lending remains luke-warm"

"In the coming ten years, I would expect at least 40% of credit and consumption operations to be digitalized"

"Huge growth opportunities can be tapped in Tier-two and Tier-three cities."

"Margins on consumer loans are decreasing slowly"

"Borrowers are now very cautious with their debt levels."

"I would expect the two-wheeler financing market to grow up to 35-40%"

"Although Indian banking has come a long way, it still has to cover a lot of ground"