Jagdish Rao

“One is for agri loans and for the MSMEs and priority sectors. And on the LTV side, we structure it based on the cash flows. We don't go with only the LTV, but there is a capping of 85%.”

“So Rajiv, it's the reverse which has happened. So if you compare last year Q1, we have actually de-grown in our turnage and whatever growth that we have seen and the dispersal that we have seen is purely the impact of the price movement which happened in Q1.”

“So, this margin breach has nothing to do with the delinquencies of the book. Yeah, so that is the first point. And on the margin brief regime, last year, we were following 75% in the regime.”