Hi, thank you for opportunity. Just on the operating expenses, you mentioned there are some multiple one-offs. Do you mind giving some colour on quantifying those please?
Okay. On the operating expenses, you mentioned there are one -off factors. Do you mind quantifying those one-off factors and which were they?
Yes. Thank you so much for the opportunity. So I just follow-up on the cost of fund question from Piran. How about next 1 to 2 quarters? Is there still kind of a downward repricing room left on our cost of funds? Can it still decline?
Yes, on the cost of funds, just for next 1 to 2 quarters, do we still have room to reprice our borrowings so that the cost of funds can still decline?
Just on your comment on that, we are talking about margin may be stable because on the new side, there may be some changes in mix on the revolver, EMI and transactor. So, I just want to understand on your new sourcing, what's the difference between the EMI percentage or revolver percentage or your new source customers in the last 1 year versus the average portfolio? Any rough quantification on the gap?
So, is the bias say, below 20% or any rough range?
Congratulation on a good quarter. Just a follow-up on the previous participant's question on the other provision. Just want to clarify. So the entire INR1,500 crores provision there is because of the IL&FS provision and the INR1,500 crores was reversed out of your NPA provision, right? So your NPA provision shown on the slide is negative INR600 crores. So the actual NPA provision is negative INR600 crores plus INR1,500 crores.
So INR1,200 crores is that account movement. What's the other INR300 crores in the others provision?
Hey, congratulations on a good set of numbers. Just on margins, do you mind sharing with us what is number one the recovery on written off debts in the interest income line? And also, how much is interest on tax refunds this quarter?
Sorry, of the Rs.1,700 crores, how much of that is the net interest income?
Thank you so much for the opportunity. Just one question on the CV part that you're highlighting. On retail CV asset quality, do you mind sharing with us more details? Is there any sub-segments, either new versus used, or any sub-segments of retail CV that's having more stress? Because we have a CV player that reported yesterday and their commentary seems to be, things are pretty fine on the ground. It's just seasonality. So, I just want to understand, is there any sub-segment that's causing this for you guys?
Okay. Goods and retail CV.
Just on Slide 52, thank you for giving the breakup of the slippages. Just wondering what is the like-for-like number on the -- other than MFI slippage in first quarter of FY '25?
Got it. And what's the number for first quarter '25 for the other MFI slippages?
Congratulations on a good set of numbers. My first question is on SA rates. First of all, what's our blended SA rate now? And also given we have built a very strong deposit franchise over the last couple of years, and we're kind of price set within the midsized banks at least. So how are we thinking about leveraging on that in a rate cut scenario? And do we expect a decent amount of SA rate cut in the coming months or quarters?
Got you, sir. So what's the blended SA rate for us right now?
Thank for the opportunity. Can I have the total write-off number for the 4th quarter and the 3rd quarter as well please? Including your the total write-off for this quarter, the 4 th quarter and 3rd quarter?
So the 4th quarter write-off was Rs. 3,164 crores?