“Third wave (of COVID-19) was only temporary. Doctors advise normal treatment and people have come out of fear and business has returned to normal. Some state governments imposed some restrictions but later it was reversed, by most of them. Everything appears normal now”, he said. It pegs disbursements to reach pre-COVID-19 levels and expects demand to “shoot up” in coming months. “For February and March, we feel it will be good. Demand will shoot up soon,” he added.