So just one question. I think in the last quarter, you had guided for 70 bps of credit cost. And now we have increased it to 80 bps, 90 bps, I think. So is this purely out of conservatism? Or are we seeing something on the ground that led to this revision?
Questions across 2 calls
Aakash Jha
AJ Wealth
Capri Global Capital Limited
Anand Rathi Wealth Limited
Just one question from my side, sir. Actually, our RM attrition has increased, but we have still managed to retain most of the AUM part. So -- but typically, what I have seen in this industry is when RMs moves out, they tend to take a larger portion of the ir client's AUM. So I want to understand what we are doing differently or what client retention control do we have in place that help us minimize the risk of AUM loss?
Just one last question, sir. I mean our AUM guidance of INR One lakh crores. So is there still impact? Or are we trying -- I mean, can we increasing the guidance?