Congrats on a great set of numbers. So , in this quarter, we have seen a slight increase in the GNPA and the Construction Finance segment. Can you throw some light on that? And second question is on the cost -to-income ratio. The performance has been very good on the cost -to- income front. So where do we expect this cost to income to settle by FY '26?
Yes, sir. And on the construction finance part, the slight increase in the GNPA?