Nilanjan Karfa

The first question is, and I don't know if you have addressed this question in the past, but could you talk about your agri loans? And why do they have a yield, which is higher than every other segment?

That is fair. I have looked at the past numbers also. I'm just wanting to figure out what type of loan is there that the yield is higher, which means typically higher yield will mean a higher risk. So I'm coming from that point. What type of loan is it, whoever it is, whether it is you or PSB Bank, that they are charging such a high yield? What is the risk in this?

Fair point. Just an additional clarification, the SMA 1 and 2, it is for the entire portfolio, right?