Ravi Purohit

Most of my questions have been answered. Just one bookkeeping question to understand the numbers better, right? One of the previous participants had asked about this reported numbers difference between what Chola MS reports and what we report under the holding company, right?

Yes. So thanks a lot for the clarification. What I really wanted to know is how do you assess internally, right, in the sense whether -- let's say, I think we have long back repeatedly said that we would like to be around the 17%, 18% ROE mark or 16% to 18% ROE mark. So now when we see ROEs, we see 2 ROEs between the 2 companies, right?

Okay. So let me ask this differently. When we have mentioned in the previous calls that we would like to be in the 16% to 18% ROE, are we talking about 16% to 18% ROE as per IRDA calculated numbers?