Hi, sir. So, just wanted to get a sense on disbursement. You said that Q4 disbursement could improve. Last couple of quarters, we have been talking around 16,000. So, how the January has gone by, if you can give us any quantitative sense on that?
And how do we see a margin from here on, have we seen any uptick on the NCD cost, whatever NCDs are coming for replacement of late?
My question was, there was a little bit increase in Stage-2 of about Rs. 450 crores. So, what was that account and how should we look at it?
You expect it to get resolved in the quarter?
Most of the questions were answered just I missed this INR 16 crores one-off on yield what was that on account of?
And secondly on the guidance for this year of about 15% on retail growth so far in YTD we have grown the retail book at about 8.5% in Q4 to be 6% we might need about sequential growth of about INR 6,000 crores of disbursement. So, we think we will do that from say the current INR 4,100 or INR 4,200 run rate?
My question was to Bindu ma'am regarding one earlier question. So the data point that I wanted to know is that in case of MFI, what was the overall provisioning, that is Stage 1, 2, 3 put together? And at the consolidated level, what was the overall ECL provisioning this quarter versus last quarter?
Stage 1, 2 and 3 is?
Yes. Good quarter. Just to check on the recovery spent. Now in case of KSK Mahanadi, we already know and I think that it did to be over and above 30% that's first? And second, one Hiranmaye and Sinnar, while we say more than 50%, but what's the sense on recovery? Can it be more than 70%, 80% the way we have seen this change in KSK Mahanadi? So yes.
Okay. sir. And there was a less accretion in AUM this quarter. I understand it was due to higher repayment from LIS LPL than in the same quarter last year. But from here on, the accretion to AUM should be normalized, right? And while we guide for 15%, 20%, is 17%, 18% right number to go with as far as expectation is concerned?
Congrats on a good set of numbers and pretty many congratulations to Kundu sir, very well deserved. My question was to just a comment that you alluded that 25%, 30% CAGR is what you intend to do. And you mentioned 4% ROA target. If here by when you think we would be…
Okay. Sure, sir. And the credit cost guidance stays at 1.2%, right?
Yes. Hi, sir. Congrats on the good numbers. My question was on credit cost. So far, the credit cost has been a little over 2%. It has been moderating in the recent past. But as we move deeper into the normalised macro, do we expect it to come back?
This 2% range?