Nilesh Sharma

Very happy to see the improved market share and improved numbers on business trend. Ma'am, how can we predict or foresee revolvers trend in current financial year?

Okay. And how much EMI portfolio from 33% will grow? Any guidance to increase that portion as well?

My question is on the growth mix between retail and corporate spend. Could you please share long-term outlook for these 2 segments? And, I wanted to understand relative economics of each portfolio in terms of yield, interchange fees, credit cost and ultimately our impact on our bottom line? Thank you.