Manish Bhandari

Thank you so much for the opportunity, firstly. My first question is that the previous guidance had suggested approximately 25% growth in NBFC AUM. So, could you please elaborate on the reasons for the variance between the expected and actual performance and by what time can we expect it to materialize?

Okay, understood. So, what I wanted to ask is, what is the next 5 -year target for AUM growth? And how fast this growth can be achieved?

Okay, understood and just one more follow -up question from my side. Within the AUM, which loan category is performing well?