I think its the other way around.
It always looked to me like revenue from the banks fell off a cliff much earlier than the March quarter fall in RFC would indicate. The banks would have been paying PIL on 30-day or 60-day terms, hence the delayed fall in RFC.
Now that PIL are controlling the cash more and the fees generated from it, the earning of revenue and the resultant cash inflows are probably happening more simultaneously. Hence, minimal delayed receipting of revenue.
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