Aditya Pal

Sir, wanted to understand that now on the ground any issue that you are seeing, are there any particular geographical pockets that you want to call out where you are seeing a lot of stress?

And sir, a broader point would be that is this a longer-term issue that you are seeing because what we are hearing from the listed microfinance entities that by Q4 the balance sheet of the customers should be fine with the good monsoon and income picking up in the rural areas. Anything that you want to highlight over there?

Another question was that, so now we are splitting our branches, how long do you foresee where we are splitting our branches and then finally we will be following the organic branch growth, whether this entire program is completed?