Healthy fee income, lower credit costs and improved disbursements supported the operational performance of the company in the fourth quarter of 2021-22. The total income and PAT grew 13.7% and 7.6% y-o-y and 0.4% and 3.7% q-o-q respectively. Other metrics like collection efficiency, AUM, asset quality and financial health also improved in the fourth quarter. Changes in product mix with the increased share of personal loans and gold have