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ladies and gentlemen good day and welcome to credit access gramman limited Q2 fi25 earnings conference call hosted by ICICI Securities limited as a reminder all participant lines will be in the lesson only mode and there will be an opportunity for you to ask questions after the presentation concludes should you need assistance during this conference call please signal an operator by pressing star then zero on your tone phone please note that this conference is being recorded I now hand the conference over to Mr n bua from ICI Securities thank you and over to you sir yeah hi uh thanks n uh good evening everyone and welcome to credit access q225 call on behalf of ICS Securities I would like to thank C graming management team for giving us the opportunity to host this call today we have with us the entire top management team of C graming presented by Mr Kumar managing director Mr Ganesh Naran CEO Mr NES DVI CFO and Mr sahib Sharma djm univers relations I will now hand over the call to Mr

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