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This is my first message on the forum, despite being a passive visitor for past 2 years. I agree that its a blessing not to be alloted shares to SBI Card. Unfortunately, I have been alloted 1 lot in Retail category. Grey market premium and liquidity issues suggests a complete rout on listing day. I have been investing in stock markets for past 15 years. I see at least a 10% downgrade on listing given the high PE ascribed to SBI Cards. Lets see how it pans out on Monday. One can only pray and hope that God or Nature (Summer temperatures) can abate the virus and trade returns to normal.