Even as AUM picked up momentum, Net Interest Income for the quarter showed a decline of 7.2% QoQ and 11.6% YoY owing to lower margins. Interest income declined 2.2% QoQ and 9.2% YoY while interest expense grew 7.9% QoQ while declining 4.7% YoY. Decline in income is attributed to lower yield as company focused on large ticket loans with lower interest rate. During the quarter, the company increased their advertisement spend and employee incentives with a view capture the market. This has resulted in higher operational expenditure during the quarter. As a result, the pre-provision expenditure of the company...