Bhavesh Kawani

Thank you for the opportunity. First one was on the standalone P&L where we have seen provisions going up materially and in a scenario where gold prices are favorable one just want to understand the reasoning behind that ?

Any numbers you can share for par zero level, sir?

Sir, going back to your response on provisions, for '24 the provisions translated to something like 30 basis points, whereas for '25 full year it translates to around 80 basis points and you mentioned that we are following the sale method, so what are those key changes in the sale assumptions which led to this kind of increase?