Can you just highlight why we should keep growing our disbursements lower than the AUM rate? Is it because of the adjustment you are looking for assigned loans that are there, for which you are receiving money? Or how does that work exactly?
Okay. Perfect. And any early signs of stress you are seeing, especially on our lower ticket size book?
I wanted to understand what are the new geographies that we are entering in terms of number of branches, do we plan to increase the number of branches and what would be the strength of our sales force team as of now and what are our internal targets, about how much of the new business can be sourced through our own sales team?
But are we planning to hire new people from the market for ad marketing as of now?
I wanted to understand the industry, I guess, including you have been trying to marginally increase -- very marginally the TER increases that have been ann ounced in maybe September, October. So , is this trend going to continue? And at a higher level, my question is, do we expect because of all these kind of rationalization in commission and this TER increase right now? Are we going to see say, flat kind of y ields going forward instead of the sliding yields going forward? What is the overall -- color on that?
Perfect. But over the medium term, do we intend to keep the yields flat? Or is it like going to b e still kind of continuous drop as we saw in FY '24?
Sir, can you give me the auction number.
Is an auction. Can you hear me now?