Punit Bahlani

Yes, hi sir. Thanks for taking my question. So just two firstly on the SME, I know you gave the explanation earlier, but the TReDS thing, are we building that up? I thought we already had a decent infrastructure in place for that. And is that the main reason for the run down of the book? And secondly even in the CV, I know CV is not a big proportion, but there also we have seen some run down.

Got it. Sir, on the margin front, like we have seen your margins driven by the cost of fund decline. We are seeing margins remaining stable. On the yield but -- assuming -- is it fair to assume that once we see the SME book picking up or any other segment which you could highlight we will see some upliftment on the yield because this deposit repricing I guess a couple of quarters more, right, or we have any more…

Got it, sir. Thank you so much for answering my questions.