Yes, sir, just to allude on the previous question that this Q1 disbursements were weaker than last Q1. And if you put together the first half for last year and this year, you mentioned that it would be similar. Is that right?
So, first quarter disbursement is slightly lower than last year’s first quarter. But as Harshit highlighted that maybe Q2, if you include Q2, then first half of this year will be similar to first half of last year in terms of disbursement to which ordered?
Congrats on a good set of numbers. While a couple of my questions got answered, I just had one thing on growth. You said that we'll do 12% comfortably. Is that 12% conservative guidance in your mind seeing how Q1 has fared this is higher disbursement and also 3% less quarter-on- quarter growth. So have you been conservative there on growth or we feel that 12% is the max that we will be able to do?
Sure, sir. And on margins, if I heard it right, you said that we will be able to maintain the margins at current levels, right, because of the benefit on the cost of funds that we going ahead?