Stressing on the hard work involved in aspects like cross-selling, Puri said years of work had to go in before HDFC Bank could increase its cross-selling capabilities in the auto loans segment despite owning the customers by virtue of offering them other services. Puri, who faced some questions on the practices followed by the auto loans vertical of HDFC Bank towards the end of his tenure, said corporate governance in the entire country is a problem and we have put a "halo" around it.
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