I wanted to understand how the minimum due paying customers, just about minimum due paying customers, not necessarily the entire revolver pool, just the minimum due paying customers, how has that been trending for us past few quarters?
I don't want the data around it, just the trend of it, if you can talk a little bit about it?
Essentially, want to understand the IT spending bit a little more, how much of it is fixed and how much of it is variable? That is my one question around this. And then if I look at this 1300 becoming 1700, right, assuming really 20% growth to the IT spending, you are talking about something like Rs. 400 crore of growth in natural courses of the year, but on top of it because the other two businesses, the 811 and the credit card business, we are going to have positive savings out there. Are we going to spend more like Rs. 400 -Rs. 500 crore on top of this Rs. 400 crore of growth that we are talking about as a BAU?
So, let me repeat this. So, what I was trying to allude to is, you are talking about an impact of Rs. 350 to Rs. 400 crore on PBT right? Now, there are clearly positive cost savings from 811 and the credit card, which means IT spending is going to grow up by more than Rs. 400 crore, right, that is logical?
Essentially wanted to understand how should one think about the increase in surrender ratio that you are seeing for the last two quarters?