Praveen Kutty

Right. So our yield came at 10.75%, which is primarily due to the product mix that we went for in Q1. As you have seen, gold was a driver, the big movement has come from gold, which comes at a slightly lower yield and substantially lower cost and fairly minimal credit cost. We would see that as the year passes in Q2, Q3, and Q4, you will have higher yield mortgages contributing more.

Currently we are at the 70/30 mark. So, what used to be a 25%/25% cut, is now looking like 27/ 23 on business loan and home loan. So that will continue. We are happy with the 70/30 kind of cut, probably it will be steady state 70/30 unless there is something dramatic which happens which makes us change the skew again.

If I remember right, it is 5.3, not 7.3, unless you said 5.3, right? So on the total slippage of overall, you're seeing that the non-gold slippage is considerably better. We are at 1.52%, which is very well within the norms. On gold, I would tend to see that slippage is not really indicative.