Amit Mishra

Congratulations for the good set of numbers. My first question is on other income. Sir, our recoveries have doubled -- almost doubled from last quarter. So any big account in this? Or there are small accounts?

Okay, sir. Got it. Sir, overall, your expectation for FY '26 recovery from NPA as well as from written-off account, do you have any guidance on that?

Okay. So got it. Sir, in your retail NPAs, the classification I was looking at, there is a slight increase in retail NPAs. So I just wanted to know from an overall industry point of view and from your bank particular point of view, how is the retail portfolio currently? Do you think there is stress in retail sector.