PAT was at INR 3.4bn, up by 35% YoY, 12% QoQ led by non-interest income (up 48% YoY) NII grew by 37% YoY to INR 5.84bn, up 11% QoQ. NIMs up 10bps QoQ to 3.0% Loan growth (incl loan substitutes) was up 27% YoY; loans 22% YoY, substitutes 51% YoY...