PAT increased 19.2% YoY to | 499 crore, beating our estimate of | 465 crore, mainly led by higher-than-expected NII at | 915 crore NII growth stayed healthy at 22.6% YoY to | 915 crore. Margins improved 7 bps QoQ to 2.75%. Change in loan mix towards high yielding assets like loan against property & developer loans and fall in CoF have enabled a rise in margins over the past four quarters...