Sir, just two questions. One on the disbursement. So Q1 generally tends to be soft. But for the full year, what is the kind of disbursement growth that you are looking at?
Sure. Sir, can you tell us the monthly disbursement that you have done in April, May and June?
Sir, out of this INR9,000 crores of the defaulted loan portfolio that you said you are carrying, what is the recovery target that you would have for this year and the next year?
Yes.
My first question is on the spreads in the margin. So I think Sudipto alluded to the fact that the spreads are at the period end and probably the margins and everything are on an average basis. So if you can have a comparable spread, so the yield and the c ost number on an average basis, that would be helpful.
Okay. So then even the spread would have shown a similar kind of an increase, right?
So I think in the opening remarks, you alluded to like a 25-bps hit on the margins because of the ICRR and the excess liquidity. So you would have taken approximately say INR1,900 crores a quarter of this hit. So now this will, from next quarter start getting normalized, right? So next quarter, we should be tracking a median of 3.85% and then maybe inch up to 4% over the next 3, 4 quarters? And on the loan growth, do you think a 4.5%, 5% quarterly run rate is possible going forward?