Alteration in asset mix to impart margin volatility: Gradual shift towards prime segment (personal loans, SME Finance and gold loans) is seen to provide stability, though impart some volatility in yields. Focus on gold loans, and revival in MFI along with reduction in cost of funds could partially offset the pressure, with near-term guidance remains at 10-10.5%. RoA target for medium term at 2.8-3% remains maintained, with gradual improvement expected as MFI segment stabilizes. With guidance for NIM + fee income at 1010.5% range, we expect RoA at 2.1% in FY26E-27E....