Ravi Naredi

First of all, congratulations on crossing the 1 billion market cap of our company. Sir, our cheque bounce rate increased and was higher side at 15%+. So, many questions asked by so many investors. My point is that if cheque bounces, customer bank also charge cheque bounce charges to the customer, it increases the cost of middle-class borrowers, so have you plan to control this?

Sir, company maintained Rs 2,460 crore liquidity against AUM of Rs 9,014 crore or against borrowing of Rs 6,843 crore or 36% of borrowing is the liquidity we are maintaining. So, do you think Manoj it is higher side?