will increase the entity's customer base and provide more opportunities for cross-selling, the non-executive director of HDFC Bank told CNBC.
"A merger between the two entities has always made an immense rationale," Keki Mistry said, adding that the move will improve the bank's mortgage portfolio and attract more customers with a range of financial services. HDFC Bank has around 83 million customers but only 2% have a housing loan with HDFC. An additional 5% of the bank's customers have a housing loan from other lenders, he said explaining that it means 93% of HDFC Bank's customers do not have a home loan.
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