Neha Agarwala

Could you zoom in on which particular loan segment or any particular region that might have led to this increase in cost of risk?

Does this mean that maybe in the next quarter or 2, we will start seeing an impact on 90-day NPLs and they will start going up again

would you require to add more fulfillment centers than what you already had on the road map

how much of the lower pricing that you have for the sellers is being passed on to the consumers eventually in your view

Can you talk a bit about the asset quality trends? We did expect some seasonality and some seasonal worsening, but I also see that it's stronger growth in credit cards

we talked last year about investments in opening new warehouses. Where are we in the process? How many more warehouses do you expect to open

What are the initiatives that you're taking for the lowest ASP items? How are you finding of competition from some of your peers