Chandra Shekhar Ghosh

We have seen the bottom of the nad in the month of September when our profits went to a deep of 112 cr. I can say that now going on forward with this balanced book of positions... we are all expecting we'll give good results.

We are making a complete paradigm shift in our underwriting process. The first is that we are moving from a localized based understanding to a centralized based understanding.

We have reviewed our legacy portfolio and, as a prudent measure, have done a technical write-off during the quarter, which resulted in lower profits for the quarter.

This is my last call, and you have helped me lots of... I honor all of your support and the help.

We expect the run rate to further fall down in the current quarter.

We are well on our way to achieving long-term strategic goals of portfolio and geographical diversification.

We expect to have nearly 50% of our portfolio will be secured by financial year 2026.

The post-COVID portfolio, consisting of all loans disbursed after June 2022, clearly turning out to be a strong one. Gross NPA ratio of the post-COVID book stands at 2.6%.

We expect that approximately half of our book should be secured book by financial year 2026.