Bhavik Dave

Sir, two questions. One is on the merger. And sir, you alluded to the thought process behind this. If I just wanted to understand a little more on how would you think about this merger, how long you evaluate it? And also, sir, because there is a size wherein we are like trying to build up our deposit and we’re growing very healthy at 25%. Was there in the journey, isn ’t it too early to get into a merger?

Right. on yield front, we've not been able to price the asset higher. So my question was more on that. Is there a competitive intensity too high? Or are w e e going towards better quality customers. In fact, in to yield dropping. I see every segment yields have increased on a Y-o-Y basis, but the overall yields tend to not increase. So just on that perspective, it you can through some light.

Two questions. One is , on when you see the mix being quite stable, like you mentioned, the earnings assets at 62%. Just want to understand with the kind of delinquencies or the customer behaviour that we are seeing, is it worthwhile to look on the pricing front, considering the yields has come this time around.

Sir, just my question was on pricing the encash in the pricing?

On the risk management side, considering you are aggressive this time around and the write-offs have been quite high. So, if you could just throw some light on that?