...Good morning everyone. We welcome to the earnings conference call of Cholamandalam Investment and Finance Company Limited, to discuss the Q1 FY26 performance of Chola and share industry and business updates. We have the senior management with us, represented by Mr. Vellayan Subbaiah, Chairman and Non-Executive Director; Mr. Ravindra Kundu, Managing Director and CEO, Mr. Arul Selvan, Chief Financial Officer. I would now like to hand over the call to Vellayan for his opening comments, after which we'll take the Q&A. Vellayan Subbiah ...