Just wanted a question on Monroe, these 5 observations we have got. Any particular observation which can set us back tougher to resolve? Or are we broadly confident we should get through?
Okay, sir. Okay, sir. And sir, just one more question on the Indian business. Our secondary sales is doing very well. So I think you mentioned from Q2 -- from Q3, we expect our India numbers to be strong. So 2Q should be soft for the India unit?
Sir, just wanted to understand something on the wealth piece. So, we are above INR1 lakh crores AUM. It's an INR1,300 crores plus sales business, largely transactional, 72% non -retail. So, when I compare us versus our peers, anything I'm missing why our PAT margins are relatively lower at 10%? Is it an accounting issue? Or are we externally sourcing it?
Sir, I take that. But even if I see companies, other wealth companies which say, INR1 lakh crores, INR1.5 lakh crores AUM, INR2 lakh crores AUM, they are at significantly higher profitability than us. Hence, I was just trying to understand this.