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    Having scale, capital & management depth makes a difference: Ajay Kanwal, Jana Small Bank

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    Ajay Kanwal, MD & CEO, Jana Small Finance Bank says wherever lockdown is lifted, the moratorium has come down. He expects to return to total normalcy by November and December. Contrary to popular belief, the bottom of the pyramid borrowers show resilience and in September itself they were at 70-80% collections in key geographies.

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