Samant Singh

Good morning, everyone. Thanks for taking my questions and good set of results. Most of my questions have been asked, but in terms of the retail loss ratio, if you can sort of break it into fresh book or the renewal book, that would be quite helpful . Second is on other expenses, which is like Rs. 283 crore, rose by around 23% YoY. So, what is driving this?

I have one follow-up, if I may. So, just on the net re-insurance expenses savings that you highlighted earlier, so you're saying the re-insurance expenses should ideally come down. Can you quantify in terms of how should we build in for the full year compared to last year it was around, I think, FY26 it was around 0.9 percentage points, so how should we see it for the next year, FY27-28?

Okay, thanks, that's quite helpful. All the best.