Pulavarthi Kiran

Sir just in the last couple of years, you had, what I can suspect a lot of time in improving the technology, upgrading the technology, and increasing the branch network and then also you have hired a lot of people .

And Sir just my earlier question as well. In certain geographies, you added people. Even if I look at now, the AUM by state, Telangana is doing well. Tamil Nadu is probably in the double digit, but the rest of the states, there is some uneven growth. Would you like to look at the business from the geography standpoint, or you are more comfortable looking at the overall NBFC level, how the growth is coming in?

One last question from my side. How do you look at the competition at this point of time because we are seeing more HFCs coming in and then also we hear that there is a lot of competition on the ground? What is your take on the competition, Sir?