It too premature to have a turn to the delinquencies. Even the lock-down in 2013 isn’t quite as acute because it had been this past year at which there wasn’t any traffic to the roads, no cost assortment, no flight or railroad traffic. It really is more measured, more hierarchical and hence the collapse of requirement which happened past time might well not be too strong this time round, ” says Ashwani Bhatia, MD, State Bank of India.