Neel Advani

Congrats on the opex delivery. Sir, my first question is with respect to the sequential interest income decline. Sir, how much of this is reversal on the old book? And how much of this is, let me say, the mid-quarter timing of the disbursements? Can you bifurcate the 2?

I mean I'll make this question simpler. I mean, when do you see the interest income to drop and then turn sequentially positive? As in which quarter would we see interest income going back to the Q4 levels and then eventually turn positive?

Yes, Sir. Just to clarify, the DA income for this quarter would be the run rate for this year?