Devam Modi

Yes. Congratulations on a good set of numbers, sir. So , firstly just wanted to understand that, we understand that your on -book AUM as a percentage of total AUM has risen this quarter. Now, what implications would that have for provisions? And would that mean that, let's say, you would need a more higher level of standard asset provisioning or something like that because your on -book AUM has gone up?

Okay. Sure, sir. And sir, we do note that you have been a little cautious on the environment. However, as you mentioned that there is a sheer resilience of the model and probably the overall borrowers ’ profile and all those things. You have managed to overshoot the ROA towards like, let's say, greater than 3% for the last 2 quarters.

Okay. Sure, sir. Just if you can clarify when you say branch sweating should happen before 2027 and 2028, what are the key numbers to watch out for? And what would it mean in terms of -one is you mentioned efficiency as a thing, what would be the metric to track there? And what would it mean in terms of cost to income?