Q4FY26 saw a further strengthening of our growth momentum, aided by technology enhancements and ongoing process improvements, alongside continued focus on credit quality. AUM grew 21%. We witnessed this growth momentum continuing into April as well. This has helped set a strong foundation for sustained business momentum and reinforced alignment of field execution with our policies. We expanded our presence in the newer states of Maharashtra and Odisha and strengthened our presence in existing states, leading to a branch network of 339. On the back of encouraging traction in new geographies and sustained momentum in existing markets, we plan to accelerate branch additions in FY27, in line with our contiguous expansion strategy to support future growth. Technology and data-led decisioning continue to drive scalable expansion with customer centricity. Digitisation remains strong, with over 92% of agreements executed digitally and 94% of collections through digital channels. Increased use of account aggregator data and credit bureau insights is enhancing underwriting, portfolio quality, and supporting growth. This performance is underpinned by a well-diversified product portfolio and a broad customer base across income segments, which together provide balance and resilience across market cycles. On the asset quality front, this quarter saw improvement in collection efficiency, leading to a reduction in GNPA and 30+ DPD. 30 + DPD saw a decline of 27 bps sequentially to 6.21%. We closed the year with a GNPA of 1.52% as against 1.19% in FY 25. Net NPA was at 1.15% as against 0.89% in FY 25. The increase is primarily due to slight increase in NPA of NBFC. Our spreads for FY26 improved to 8.9%, driven by decline in cost of funds to 8.3%. The Opex ratio increased marginally 8 bps YoY in FY26. The credit cost for FY26 remained at 50 bps, within our guided range. Looking ahead, with key initiatives underway we are confident of delivering 22-24% AUM growth in FY27. This growth will be supported by expansion in newer states of Maharashtra and Odisha and deeper penetration in existing markets, channel augmentation, higher average ticket sizes, calibrated lending rates on incremental loans, and improved productivity.