NPS

NPS has been rising for the last 15 to 16 years, and I'm sure we've seen the cadence. Is this problem generally cyclical to the Indian economy? We have an inflation target, for example, as a percentage rate, the RBI is given a mandate saying no more than 6%. And even if an unforeseen circumstances like what we have now, it's driven up then, it is accountable. Yes, when we recently did our webinar and we conducted few polls, the market expectation was that the MSME will be one segment which will give the pain to the banking sector.