In this 2010 article, Niranjan Rajadhyaksha discusses the economics that come into play when interest rates on microfinance loans are capped. 

Private sector lender IDFC Bank expects to grow its retail book aggressively and gain over Rs 13,000 crore in CASA deposits over the next five years. 

The article dwells into IDFC Bank's future in the retail segment and their latest acquisition of Gramin Vidiyal