IndusInd has fallen 60% so far this year and a fall of 40% came in the last 7 trading sessions alone. Chinese virus was an issue, but this had more to do with Yes Bank case and the flight of deposits feared. IndusInd Bank could see lower deposit growth in the coming quarters and that is a worry since only 40% of its deposits are low cost. There could be some respite from Hinduja family hiking their stake in IndusInd Bank, but that is temporary. There are larger concerns with respect to the asset quality of the bank. That is the real issue.