For the banking sector, this would reverse the retreat to domestic markets that followed the onset of the financial crisis in 2007 / 2008. In addition to the scalability of successful new technologies, another factor that supports consolidation are the significant fixed costs in meeting contemporary international regulatory requirements.
With dosas having gone up by 10% to ₹ he can buy 182 dosas approximately with the ₹ interest. At 8% interest, he gets ₹ With dosas having gone up by 5.5%, each dosa costs ₹ so he can now buy only 152 dosas approximately. So the pensioner seems vindicated: with lower interest payments, he can now buy less. But wait a minute.