Nilesh Shah says the Indian banking system is in a far better position. For example, SVB, out of their $200 odd billion balance sheet, could put $100 billion into the HTM category. That is not permissible in India. The Reserve Bank of India caps how much you can put into the HTM category. Also, in SVB, deposit outflows moved very quickly. In India's case, the deposit base is widely distributed geographically, as well as across various industries. Hence, this kind of deposit outflow is unlikely to occur.