Anand Dama

Sir, what kind of credit growth that we are expecting for the full year should be 15% to 16%? Because if we are seeing a margin -- even if you are expecting some margin pressure, should we sacrifice a bit on the growth front, if yes? And what kind of tech cost that we have? So there are some banks who have talked about tech c ost as a percentage of overall opex . If you can talk about that, what is that for us now?

That is still higher for other banks, but sir, you talked about cost of funds going up. Is it not possible for you to pass it on to the customers, barring I think, E EB, I think even in E EB, you have a scope to increase the yields and basically try and protect your margins?