Consumer credit growth may slow down to 20-25% due to the rising interest rates and the base effect, K V Kamath, CEO, ICICI Bank said today."Growth has to slacken a bit.... Instead of a growth of 40-45%, it will now be in the range of 20-25% due to the base effect and interest rates," Kamath said on the sidelines of a CII function."The 40-45% credit growth, which we saw on small base, was unlikely to repeat in the near future," he said, adding the 40-50 billion credit growth in the recent past was a reflection of base effect. Kamath, however, said the rising interest rate had no impact on the credit quality.