Net Interest Income declined marginally 0.5% YoY to Rs. 4,655cr. AUM improved multi quarter high 3.9% YoY on rising mortgage book. Pre-provisioning profit dropped 5.5% YoY Rs. 3,053cr on higher operating expenses. However net profit went up 42.0% YoY to Rs. 1,347cr on account of significant decline in provision expenses. Adequate provisioning owing to COVID, better asset quality and higher collection efficiency should provide strong base for further growth. We reiterate our BUY rating on the stock with a revised target price of Rs....