Sir, I have 2 questions. First is basis on the gold draft that has came in. So do we have any consumption-led loans in our portfolio? And if yes, then how should we see the growth going forward given that it is said that the growth is going to be impacted for gold loans going forward. So although we are at the higher end of our guidance, should we see this move below 15% going forward? And secondly, what would be our Tamil Nadu exposure because again, the same regulations, same ordinance has been passed by Tamil Nadu as well, which has been passed in Karnataka. So these are my 2 questions.
Questions across 2 calls
Mayank Mistry
JM Financial
SBFC Finance Limited
Sir, I wanted to know what would be our floating rate mix in the borrowing side? And secondly, would like to know, I mean, since you highlighted there are some of these stress building up in the small ticket SME segment, so I would like to know whether th is is specific to few regions, few geographies, or this is like a pan-India situation that we are seeing?
And related to the geographical, I mean, the stress, whether it is concentrated to few geographies or how is it, I mean, how are you seeing the trend?