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At over 4 million customers, Rs. 15,000 crore total disbursements, annual growth rate of 100%, the highest employee productivity and lowest Opex in South Asia, an RoE running between 50 to 60%, and an unbelievably high pre-issue EPS of Rs. 152 on a Rs. 10 share, investors are sure to look twice at Spandana if it goes forward with its IPO plans. Seasonal Magazine interviews Mrs. Padmaja Reddy for this story: