Bhavya Sanghvi

First of all, many congratulations and we appreciate the disclosure on the different businesses. My question is actually on geographical expansion. So, we have seen that the new businesses have been co-located with the Vehicle Finance branches. So, what are we doing to enhance the capacity in the branches going ahead, so geographical expansion itself? And the second question would be on the fee income.

Sir, on the fee front, what are the management taking efforts to enhance this?

Sir, my question is in medium term. So, as in the earlier participant question, you alluded to opex to assets ratio of close to 2 to 2.75. So, my question is with respect to the capacity additions and branch expansion that you are going through, and I am sure the 25 % to 30% growth guidance would entail higher number of accounts getting added and more leads from non-Aptus markers like except from feet on street, the…

Also wanted to ask you about any plans that you guys have in the medium term in the NBFC arm to do lower tenure loans, like consumer loans and if yes, will the IT system be enabled to do those in future?