Viewed a video of interview of Mr V Vaidyanathan of IDFC First bank after bank's 3rd quarter performance....strong performance and even stronger and confident outlook given by Mr Vaidyanathan. Very informative. He says the stock prices go up and down but depositors' money is absolutely safe.His cost of borrowing is 6 % on average and lending rate is from 8 % to 21 % or average of 15 % so even providing for 2% NPAs, the bank has to make money......future projections are confident......