Nithin Kamath said it's not in "our DNA" to lend for things people don't need. Speaking during an AMA session, Nithin said unsecured lending leads to 30-40% borrowers not paying willingly, which forces lenders to follow up to recover funds. His brother Nikhil responded, saying loan recovery is "yesterday's problem" as "tomorrow's problem" is borrowers' credit score tanking after defaulting.