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Rajiv Sabharwal, Managing Director and Chief Executive Officer of IPO-bound Tata Capital, said the worst of credit cost pressures on the company is over. He cited the example of the Rs 71,000 crore housing finance segment, that has a credit cost of less than 10 basis points, and growing at 30%. "We have been getting full support from Tata Sons for growth capital. We wont be getting into the market at this time if the RBI had not mandated us."