Vijay Singh

Congratulations on a good set of results. Sir, my question is just I wanted to understand a bit more about foreign exposure, short-term foreign exposure. And second one is on lending rates. These two will be -- these are my two questions.

So, I should understand we were getting some challenges on foreign exposure, higher hedging costs and all. So that costs are not likely to come up in terms of payment and all short -term foreign exposure. Am I correct, sir?

No, sir, but that is for short term because in earlier calls, you told we are going to proactively manage a short -term foreign borrowing. Hence, we should not have as currency appreciation sorry, currency depreciation impacted on some hedging -- higher hedging costs and etcetera. So, I wanted to understand that point?