Nikhil S John

Thank you for the opportunity. Congratulations on crossing Rs.1 lakh crore milestone. So my first question will be with gold loan AUM of 41% year -on-year and interest income rising 56% , is any structural like margin expansion in the FY26 especially with operating leverage kicking in some 850 new branches now build in?

Is there any internal benchmark that you have set to improve this metric further before adding more branches?

Any internal benchmarks or KPIs that you have implemented in every branch should be followed?