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HDFC Bank s deposit growth is slower than expected, leading to a need to slow down credit growth. However, the extra capital requirement has peaked out, and the predicted fall in ROE has already started. Despite the current fall in stock price, there is still potential for a reasonable double-digit growth in HDFC Bank. This presents a buying opportunity, especially for those with a bullish view. HDFC Bank remains a strong candidate for a core portfolio.

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