Raj Saya

Just wanted to understand on the SBI Bank channel. Just wanted to know is there any threat of new participants or partners in that channel like we are seeing in other banks in terms in the context of the open architecture? Do you see any threat there?

Got it. Okay. Related, in the SBI bank channel, can you give any indication of what the sales in terms of rural versus urban area's branches? Or at least an indication of how this is going in terms of mining the rural area and the penetration?

Okay. 50-50 in terms of sales, sir? New business sales?

I just wanted to know your strategy in terms of Tier -2 and Tier-3 distribution and business contribution. Where do you stand currently and what's the strategy because this is the competitors stress on this asset, so just wanted to know?

Thank you. Anoth er thing on annuity, just wanted to know, do you div ulge information on the split between corporate and retail annuity and what coming from NPS at this stage?