PAT declined 80.5% YoY to Rs. 69cr, due to full provisioning on JLG (Joint Liability Group), higher credit cost, lower NII and increased operating expenses. across key business segments while maintaining its branch network and strengthening customer engagement. Continued focus on improving deposit granularity, expanding retail assets and optimising operational efficiency is expected to support balanced growth. While business fundamentals are improving, near-term margin pressures and a cautious approach in unsecured segments may limit the upside. However, strategic investments in digital initiatives and risk management are...