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4 Diversified Sources of Borrowings Others* Retail Asset Specific Borrowing Bank Mutual Funds Total Borrowings FY11 INR 7,858 Cr . Steady diversification in sources of borrowings • Lower dependence on debt market borrowings • Exploring alternative sources of Liabilities Credit * Others includes Provident Fund, Insurance & Corporate 5% 5% 14% 26% 50% H1FY17 INR 30,974 Cr 5% 15% 14% 31% 35% * Non Credit Insurance Balance Sheet 55

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