Maybe it is also good to mention what a "cold hardy banana" means in India. First, examine the latitude. Most of India is in the tropics. In the northern states for example Hamal Pradesh where Dr. Parmar is from, the topography is in the Himalayan foothills with towns and villages at elevations of 2,000 to 5,000 feet. In those places the record low temperatures are 40F to 45F. This is where the Hill Banana is from.