Anand Dama

We've been hearing that, particularly in Southern India, we see a lot of salaried IT people losing jobs. Any stress which you see over there?

Yes, because on the ground, whatever check that we have done with multiple lenders and collection agencies, they tell us they are basically about 300 to 400 basis points , bucket delinquency has gone up in that pool.

Okay, nothing for you. And then secondly, my question was on the margin front. We have seen margins come off for quarter-on-quarter. Where do we settle in terms of margins, As currently - - we have a pause on the rate as of now. So whether it should come down further. Anything that we can do in terms of increasing the yields and try and protect our margins?