The State Bank of India will not have a major problem. The credit demand in other sectors also is strong. The capex requirement and the corresponding credit demand is increasing in the economy, so a little bit of unsecured loan demand coming down would not affect large banks like HDFC Bank or State Bank or ICICI Bank, even for some of the other small NBFCs. Sudip Bandyopadhyay believes that the recent steps taken by RBI to curb unsecured lending are good for the long-term health of the sector. He expects the Nifty Bank to recover and normalise soon. Regarding TCS’ share buyback, Sudip views it as a routine occurrence by large IT companies to reward shareholders. He suggests focusing on niche IT companies catering to sectors on an upswing. As for upcoming IPOs, Sudip believes that both Tata Tech and IREDA are worth subscribing to. He expects foreign investors to turn bullish on the Indian market again due to factors like lower inflation in the US and reduced crude oil prices. However, he mentions that China is still a cheaper market compared to India and short-term investors may consider it. Medium to long-term strategic investors, on the other hand, are more likely to focus on India.