Tanya Kothari

Yeah. Good afternoon to the management team and thank you for the detailed presentation. I just have a couple of questions. The company has provided around Rs. 2026 crore towards wage revision this Quarter including Rs. 824 crore for retired employees. Is this provision now fully reflective of the expected liability or investors should wait for further adjustments?

And my second question is, management indicated focus in segment beyond Motor and Health due to competitive intensity. So which segments in Fire, Marine and Engineering can deliver profitable growth and what is your medium-term next target?

Madam/ despite a strong PAT growth, ROE remains modest at around 5%. What are the key levers management is focusing on to structurally improve ROE whether it is underwriting discipline or expense control or capital efficiency?