Jay Mundhra

Congratulations on a great set of numbers. Sir, first question is -- on your loan growth, right, so we can see that we have been following a profitable loan growth approach, and we have been growing 20% Y -o-Y in retail, agri, MSME, but the total growth is slightly constrained by degrowing corporate book.

Right. No, understood, sir. So yes, so that is understood. Secondly, sir, is there any -- there were media reports? Or is there any -- I mean do you have not given the gold loan book, total gold loan book, at least I could not figure out from the presentation.

Right. So okay, sir, is there any difference in the agri gold loan and retail gold loan growth? Are you seeing anything -- any trend change there?