Aravind Ravichandran

Thank you so much for the opportunity. I was trying to understand, in the housing category also, sequentially NPA has moved up, NPA percentage. Is it again because of the holidays or is there something else in the play here? Because growth is als o very strong in the housing category, despite the NPA percentage move up sequentially. I could just like to understand what is...?

Okay. And just one more question. Within the EEB po rtfolio, Bandhan plus more than three lenders, it has been actually stable for the past few q uarters. What is happening there? Are you finding it difficult to run down the portfolio? What is happening there?

Understood, sir.

Thank you so much for the opportunity and congrats on the good set of numbers on a tough environment. I just want some clarification in terms of credit cost guidance. We mentioned 125 to 135 bps. Is it on the total AU M or on average A UM or like an average total assets like on a balance sheet that we are talking?

Because like, generally in market, like we talk about when we say credit cost, it's usually on average AUM. So, that's why. So, if you can make clarity on like, if it is an average advances or average A UM, it would be better so that everyone would have a clear idea of what we are referring to. That is my request.

And I would like to understand the new housing loan which we are introducing, like, how are we, like looking to scale it up? Like, are we looking to make it like a 5% or 10% something like that over the next few years? How are we looking to scale up as a percentage of the overall AUM over the next few years, if you can give some color on that?