Viral Shah

Yeah, hi. Hi Atul and Gaurav. Thanks for the opportunity. I had actually three questions. So Atul, I think you did call out and also a couple of participants called referenced the increase in the LAP GNPA. I'm not focusing more on the provisioning part, bu t is there anything specific with regards to say the cohorts of the INR18 crore s pool that you mentioned, say whether geography or the customer profile that…

Got it. No, that's helpful, Atul. Two other questions that I had was basically on the cost of fund, Gaurav, if you can basically highlight what led us to this seven bps kind of an improvement. On a sequential basis was that the predominantly the hedged book which was there or is there anything else over here?

Got it.