I just have a couple of questions. First of all, sorry if I missed out. Your other expenses had on consol basis 19% kind of a Y oY and 16% kind of a sequential growth. So, anything specific to read into or any one-offs in that?
₹ 74 crore which I was saying on other expenses.
Yes. Sir, just a couple of questions. One, you have been saying that gold prices have been going up and down. So how frequently do you revise your -- the pricing or is it remaining fixed or over a period of time you revise the gold pricing? Or for 1 gram or it is regularly being revised based on day-to-day price moment?
Yes. Secondly, I also wanted to check your personal loan portfolio is right now around 24 billion, if I'm seeing it correct, how much of would we cross-sell to our existing customer? Or will it be a completely fresh set of customers. That is second. Third, you have guided for 15% growth.
Yes. I was also going to the same line. So basically, assuming that cost of funds is going to remain relatively elevated, how are we going to see the yields moving up? Are we going to see the similar kind of disbursement and asset composition or asset mix composition or are we seeing that there will be some changes happening out here? And, once -- since we are moving more towards high ticket vehicle and all, does that also indicate that, that could be a little lower yield and better on opex side? Or that assuming incorrect?
Understood. And just one more, whatever -- the last quarter, the Northeast issue has happened. Whatever was the losses we already booked it, right? Nothing else been left out to be recognized now?
I just had one more like a macro kind of a question, there had been a change in the tax norms for these insurance companies and thereby the non-PAR which is a savings product can be now being executed to what mutual fund or typical FDs would be, are you seeing flows shifting, broad level, do you see that kind of flows which will be shifting or the investor minds are shifting or getting more linear towards mutual funds with long-term mutual fund investments and all , just as your thoughts if you have any? That is the only thing I wanted to know?