Rohit Shinde

So sir, my first question is with a target of INR30,000 crores AUM by FY '27, what strategic initiatives are being prioritized to achieve this milestone? Can you share your guidance for asset quality and profitability as well? And which segment or geographies do you expect to drive growth in the near term?

Yes. Sir, the second question is, as you transition towards becoming a technology-driven NBFC, can you share some recent advancements or digital initiatives aimed at improving customer experience and streamlining operations? How is technology being utilize d to expand our reach into rural and underserved markets, sir?

And sir, in your goal to develop a INR1,000 crores loan book in Rooftop Solar financing, could you elaborate on your collaboration with Credit Fair, which we did previously, sir? And how will this partnership enhance the speed of loan approvals and disbursements within the solar financing sector?

I have two questions. So my first question is that we have seen strong growth in co-lending, especially in the gold loan business. While our focus was initially on MSME and housing, most co-lending in the past year has been in gold loans. So is this shift driven more by demand? Or does the fee structure and margins make it more advantageous?

Second question is, sir, non -interest income as a percentage of total income continues to decline for past couple of quarters despite our push in co -lending insurance and car loans. So how do you view the overall mix of non -interest income? And what do you see as the main drivers for growth in this area?

Yes, sir. And the first question, sir?