Himanshu Upadhyay

My question was the disbursal in home finance are down by 30% Y-o-Y and 75% Q-on-Q. Can you explain the reason for it? Means, why such a significant fall in disbursal? This is on the slide under home finance business where we have given.

Okay. So the disbursal would be INR200 crores you are saying, which is INR116 crores in Q1 FY '25 it seems?

And one more thing. In the wholesale business, have you done any deal on syndicating transactions because that is the way ahead we are seeing. And so , are we disbursing currently loans in Credit Solutions? Or have you done it in last 2 quarters? And is there any approval or structuring needs to be done for the way we are thinking about syndication approval from regulators or any place?