Axis Bank is well capitalized with a self-sustaining capital structure for funding organic growth, its managing director and CEO, Amitabh Chaudhry, has said. He said the bank expects to grow higher than the industry average on the credit side. It would be 400–600 basis points higher than the industry in the MSME segment this fiscal. To fund business growth, he said, the bank has adequate capital to take care of its needs during the current financial year. Axis Bank is well capitalized with a self-sustaining capital structure for funding organic growth,” he told PTI. Axis Bank is the fourth-largest issuer of credit cards with a total base of 8.6 million cards, and the deal added about 2.5 million credit cardholders, making it one of the top three card businesses in the country. Last week, RBI Governor Shaktikanta Das said interest rates will remain high and any change will depend on the way the world evolves.