Aditya Mundra

Yes, so sir, I'm from Mytemple Capital. Sir, just a couple of questions. Sir, the FLDG portion of the credit cost, that I think falls part of the opex. Is my understanding correct?

Okay. Maybe I can take that offline. But sir, the credit cost reduction that we we are saying it's reduced from 8% odd to 6% odd, that include that FLDG portion also. Am I right?

But the utilized part you have taken, which the FLDG which has been utilized, that is forming part of your opex?