Congrats on a good set of numbers and on the strong yields. I just wanted to get a clarification on the yields based on all that you have been commenting till now. So, for the past three quarters, we have had a few one -offs in the yield, some INR 300 crores to INR 600 crores per quarter based on NPA recoveries and ARC sales. You used to say, so the sustainable level of yield was something around 18.5 %, while the reported yields were 20 -20.3. Would you upgrade that 18.5% now for the next year or for a sustainable basis? Is that 18.5 now closer to 20.5? Oommen K. Mammen It's not, this number is not that particular. It's not like a long -term loan where we are giving a loan for 10 years or 5 years or 20 years. So, this is a very short term. Tomorrow, if we want to increase it, we can increase it. We may also reduce it. What is the impact? Because we have a comfortable margin. This quarter, I think we have generated an ROI of around 7.5. So, it doesn't matter much in terms of the ultimate impact on the return asset. So, we don't want to give a view that the same rates will co ntinue. Again, to be very frank, I have just now asked on the competition, customer-based acquisition, etc. So, we as an institution might take calls in different points of time. So, we don't want to give a commitment that the same yields will be maintained.
Understood. But at least to clarify on that, the pricing increase that you took at some point in time in the past few months, which has resulted in this yield, as we speak, as of mid -May, that pricing has not reverted back to the previous lower pricing. Am I right in this understanding? Oommen K. Mammen Think from our point of view. We don't want to give out our strategy in terms of approach. As everyone says, it is a highly competitive market. So, what we roll out, probably we can tell you after we execute it.