In other recent news, HDFC Bank has seen an upgrade in their stock from Neutral to Buy by BofA Securities. This shift, which also includes a price target increase to INR1,960 from INR1,830, is due to a change in the market's attention towards asset quality risks and a general slowdown in credit growth, especially in high-risk segments. BofA Securities analysts have noted that while growth concerns and net interest margin outlook previously led to a downgrade, recent changes in the system outlook have positively altered the risk-reward balance for HDFC Bank. Despite challenges like deposit competition and slower loan growth, these risks are believed to be factored into consensus expectations. Additionally, a change in HDFC Bank's management strategy to speed up the transition period to meet loan-to-deposit ratio targets is expected to strengthen investor confidence.