Nemin Doshi

Sir firstly, we have been meeting our quarterly targets on a regular basis. How do you foresee this growth momentum continuing in the following quarters, given the fact that 37% of our book is repo-linked, and will get repriced immediately. Within the near to medium term, how do you foresee this growth momentum to continue?

Got it. Sir, as we mentioned that we have been opening branches since last 3 years , and if you look at our cost -to-income ratio, which has been pretty stable at 38% to 40%. Is there further headroom over medium term, so that this operating leverage could kick in, and we could get the benefits of branch efficiency to come in?

Got it. Lastly, sir, within the retail credit segment, which segments you foresee as a growth engine? Excluding the secured one s, which is the housing part, are there any chances of yield improvement within this segment?