Arul Selvan

First of all, congratulations on a good set of numbers this quarter. I just had a couple of questions. The first one is more on a qualitative level. How has been your credit underwriting experience so far in the non -southern states, Orissa and Maharashtra ? And I understand that it's probably very new and it's too early to tell.

The second question that I had is that with respect to these insurance loans, I was reading a media report which talked about the regulator looking into these bundling of insurance products along with loans. So, I just wanted to ask you, when a customer comes and gets a loan from Aptus, is it mandatory for the customer to get the insurance loans or is it optional?

Sir, just a follow-up from my earlier question. I was talking about the life insurance aspect of our lending. I wanted to know if we could give a rough proportion of what proportion of our customers have life insurance versus the ones which don't.