...Operator Ladies and gentlemen, good day, and welcome to the Bajaj Finance Limited Q1 FY '22 Earnings Conference Call hosted by Bank of America Securities. This call will be recorded, and the recording will be made public by the company person through its regulatory obligation. Certain personal information, such as your name and the organization, may be asked during the call. If you do not wish further to be disclosed, please immediately discontinue this call. This call is not for media representatives or Bank of America investment bankers or commercial bankers, including corporate and commercial FX. All such individuals are instructed to disconnect now. A replay will be available for Bank of America investment bankers and commercial bankers, including corporate and commercial FX. The replay is not available to the media. (Operator Instructions) I now hand the conference over to Mr. Anuj Singla from Bank of America Securities. Thank you, and over to you, sir. Anuj Singla ...