Sanket Chheda

Two questions from me. One is just on the ROE thing which you have also said. We clocked 2.4% in this quarter and it was also showing negative and margins as well from here on. I believe it was for next year without the payment negative credit cost that we said 2.35% to 4. And this year would be 2.4% to 5. Is that right? Is that understanding right?

Okay. And so the second question was on disbursement. You also said that Q2 disbursement would be strong. But this is what we have logged in July, and you just said support that for next 2 months. On net-to-net basis, that is Q1 net to Q2 net, roughly how much growth you would expect?

Wow. And overall?