Yuvraj Choudhary

Congratulations on a good quarter. Sir, I have a couple of questions. So firstly, on the credit growth. So in the medium term, what kind of growth are we expecting? And if possible, if you can quantify how much would be from the home state and from outside J&K?

If you can give us, say, color for what would we expect -- what kind of growth can we expect, say, for this financial year and maybe for the full year?

Sure, sir. Sir, and sir, if we look at the cost of funds this quarter, so on a Q -o-Q basis, we have seen a sharp increase from 4.47% to 4.74% level. So can you help us understand what would be a steady-state cost of deposits for us, say, for this year?