Ishan Shrimali

Sir, with the current interest rate environment, like how does the management foresee like NIM evolving over Q3 and Q4? Like is there a target for maintaining or expanding margin in high yield segments like gold loans, personal loans? And just to follow up on that, is there any specific product or loan segments which can boost the NIM?

I just wanted a little clarification on the credit cost. Was it 1.3% on the NCL? Or what was it? Is it 1.4% or 1.3%?

Yes, NCL. I was talking about the NCL. It was 1.3%. It's 1.4% for this quarter and for the next of the year, it was?

Okay, 1.3% for the full year.