Suryoday Small Finance Bank (SSFB) has completed a shade more than a decade as an entity in two avatars — the past three years as a bank and eight years prior as a micro-finance institution (MFI). It has ramped up business at the bottom of the pyramid, and believes the business model is sustainable and scalable. R Baskar Babu, the bank’s managing director and chief executive officer, spoke to Raghu Mohan. Edited excerpts:
How do you look back on the journey so far?
When Suryoday was set up as a micro-finance institution (MFI) in 2009 with five branches in Pune,

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