"We have some offers going on now in our home loans business. In the auto loans and credit cards segment too, you will see a lot of offers coming up. The next few weeks you will see offers coming up," company's President (Consumer lending and payments) Jairam Sridharan told reporters on the sidelines of an annual industry conference in Mumbai.

According to a recent report, sectoral watchdog Reserve Bank is unhappy with banks for passing the benefits of low interest offers to only new customers. It is due to this that banks are not publicizing their offers.

Banks generally witness a higher pick up from the retail front between September and December, due to a slew of festivities.

Sridharan also said the city-based lender is expecting robust growth in retail loan segment this fiscal.

"As much as 38 percent of our book is retail right now. That proportion will go up...From a growth rate standpoint, still we expect a lot more growth from retail than corporate. Hopefully we may see corporate demand coming back in the fourth quarter. But right now corporate demand is still tepid," he said.

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