Mr. Manish Adukia

Hi, sorry, I was just trying to join again. Vijay, Madhur, good morning. Great to see you. Thank you so much for doing the call. Just the first question is on what you mentioned in the opening remarks, the PIDF. So a couple of sub questions there. One, in the shareholder letter, you talk about the fact that you should be able to meaningfully offset the impact over a period of time.

Very clear. Thank you for that. My second set of questions was just on the launch of products. So one, I know in the shareholder letter you mentioned a line about strong traction of the ‘Buy Now, Pay Later’ product. But again, just where are you in your journey? I think last time around, it used to account for more than half of your disbursals before you had to pull that product back.

Thank you for clarifying. Just the last question, maybe for Madhur. So I think early on when the RBI impact had come through and you just started recovering from that, at one point, you had called out what you believe is the likely growth scenario for the business, which I think you had said more than 30% revenue growth back then with 15-20% EBITDA margin over a period of time.