It is only on the SME side, we are the ones playing slow. We want to just wait and watch because as we have always said, we are first a risk company. So, we want to make sure that we are confident that our risk metrics are playing out right before we dial that up. Latha: SME is a big book for you, it is almost 40 percent of your book. Rs 22,000 crore out of the total Rs 56,000 crore AUM. Will you worry that there could be more bad loans there, after all bad loans have gone up? A: As far as our SME portfolio and the LAP portfolio is concerned, we have provisioned about Rs 50 crore or so this year as an additional provisioning in case we start seeing some of the downsides of demonetisation in the remaining quarters of this year. Other than that, we have also in the last 18 months on SME gone completely direct. Over 90 percent of our business is directed is not through intermediaries. So, we believe what we are getting now is much better quality customer and please keep in mind even now the numbers we are talking, our loss ratios are still significantly lower than the industry even in this book.
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