Nilesh Jethani

Good evening and thanks for the opportunity. My first question was on the MOU which we signed in July of last year for around Rs.2.4 lakh Crores in Goa what is the status of that? Where are we in that stages?

Okay my second question was on the infra side so today of course we have sanction ed amount of Rs.33,000 Crores but on the softer aspect wanted to understand until sometime back you were improving or increasing our capacity with hiring sector experts for the sanctioning, etc., for a deep understanding of the project s and sector so where are we today in that? Do you think have we filled the gap?

Got it and my last question from my side is I just wanted to understand on the competitive intensity? Of course you touch based on it in the previous participants question but since five years before and a lot of the PSU banks balancing for a lot of its capacity to higher value versus today so can you help me understand five years back out of Rs.100 loan disbursed to power sector what was the PFC and REC or power…

My first question is in line with the previous participant only. So, on this 20%- odd AUM growth, wanted to understand what you would attribute to branch expansion, cross-selling, etc., via the S hriram Transport branches, and what could be the actual growth which you ascribe to this 20%, a)? Second question is on the passenger vehicles growth. So, growth seems to be higher for us.

In the passenger vehicle s piece, in volume versus pri ce growth what you're seeing, if any can you attribute and how to look at growth from two to three- year perspective for us?

Our branch count from 2 ,900 has only increased to 3 ,137. Wanted to understand what is our strategy -- maybe this year or next year are we focusing on cross-selling and probably start on the branch expansion from a year or a two later, what's the thought process of the branch expansion?