I have four companies chasing me

A successful man, working in a large company, tells his boss one day,
“If you want me to continue working for you, I need a 20% raise.
You have 24 hours to give me an answer.
I have four companies chasing me, so let me know your decision”.

The boss is alarmed. “In this recession, a 20 percent raise?
So many employees are being laid off, and so many others have seen a major cut in their salaries, yet you want a 20% raise?”
“I will not argue with you,” says the employee.
“As I said, there are four companies chasing me, so just let me know your decision.”

Next day, the boss calls him in, and says, that due to his great performance he decided to comply and will give him the requested raise.

“Great,” the man says, “ I will continue gladly with you.”

As he is leaving, his boss asked,
“Out of curiosity, who are the four companies chasing you?”

“Oh” he responded,
“Kotak Personal loan , Citi credit card, SBI Vehicle Loan, and HDFC Home loans.”

I have to repay them all