Hi, sir. A couple of questions. So , just wanted to understand, how does the sourcing and fulfilment strategy for the more than INR5 lakh ticket size differ from our, let's say, existing, less than INR 5 lakh customer profile? And does the CIBIL profile that we are targeting any different?
Sir, my question was actually more on the sourcing part, not necessarily underwriting. The question was whether the sourcing channel is different because…
So the first question was that, see, the MFI stress that was going on was something as a known factor. And we know that typically people will default on the unsecured first and then finally, they will stop paying the secured loans, right? So the question i s that was this quarter's number was much worse than what we had anticipated because we would have seen all the cycles in the past, right? So I just wanted to get a sense, was it a bigger surprise than what we would have estimated? And how should we understand that how much pain is more or less because people are saying at least on a recognition basis, it is at least Q2 should also be affected by at least one MFI players?
Got it. And the second question associated with, let's say, the asset quality only. Is that ex of Karnataka and Andhra Pradesh? Is the asset quality -- can you just provide a sense on the asset quality ex of Karnataka and AP? And the associated question is that Karnataka, I understand there was the whole ordinance issue, which caused confusion. Any reason why AP specifically has escalated with respect to asset quality?
Yes. Hi, Nutan and Manoj. A couple of data keeping questions. What will be our LAP AUM mix and what would be the HL NPA and LAP NPA?
Sorry, higher book as in?