Akshat Agarwal

Good evening, sir. Thanks for the opportunity. My first question is on margins. Yield on advances declined by 23 bps Q-o-Q. So sir, please could you elaborate on the key drivers? And with the loan mix gradually moving towards business loans and we have the benefit of residual deposit repricing as well, so how do you see yields, funding costs, and overall NIMs evolving for the rest of the year?

Sir, secondly on the gold loan slippages, like if you could provide some color and how should we see this going forward? I mean it's now at 7.3, right? I know it's all secured but still, I mean, if this will continue or is it like going to come down by next quarter?

Right. So, in terms of the growth trajectory going forward, what's your outlook for the gold loan growth in light of the recent softening in the prices? And how do you see mortgage portfolio performing over the coming quarters with currently it's at 1% Q-o-Q on year-on-year 10% Y-o- Y?