On a completely side note, very very far fetched analogy.
The milk from cattle changes in quality seasonally due to biological reasons. How does Amul (or any other milk provider) ensure that their 3% fat milk is consistent across Seasons?
Cred gets deposits in Mint in different volume than they book loans. How do they manage that cash flow? When there is a huge loan demand, Do they get cash from bank or suddenly raise deposits fast?
When it comes to trading and offering something to retail, every industry has its own methods of supply chain and Quality controls. Motilal, Cred & Amul do the same.