Sonal Gandhi

Hey, thank you for taking my questions. So, my first question is on disbursement accounting for your mortgage book. So, do you do it on check disbursement or at a clearance? And the second one is on the ECLGS file. So, do we expect MSME book to grow a little faster? when we talk about Retail plus MSME? Sorry, is my voice clear?

So, my second question is on ECLGS scheme that has come. So, should we expect MSME book will grow faster as compared to the overall book? And how was your experience in the earlier ECLGS scheme?

Yes, thank you.

Thanks for the opportunity and congrats on the quarter, Aadhar team. So just going ahead with the question which was asked earlier on the disbursement, so disbursements, if you look at home loan segment particularly, there has been some degrowth over there.

Sure. And sir, anything on the PLR hike? How do you plan? What is the guidance with spreads now? Earlier, we were thinking that it might go down a bit, but it is clearly improving. So how do we see spreads moving in Q3, Q4 or maybe 2H of this year?

Sure. And sir, just one clarification, in the opening remarks, you said that 40 bps reduction in cost of borrowing. So we are talking about exit quarter, right, and we should be closer to about 7.8, 7.7?