Let us now look at the last element of KYC, that is Transaction Monitoring. Ongoing monitoring is an essential element of effective KYC procedures and prevention of money laundering. Monitoring of transactions and its extent will be conducted taking into consideration the risk profile and risk sensitivity of the account. The company's primary mode of collections from the customers is through banking channels. Further, as per the Section 269ST of the Income Tax Act, 1961, the company cannot receive an amount of rupees, two lakh rupees and above from a customer in a single day, or for a single transaction, or for transactions relating to one event or occasion. Let us now look at our responsibility in transaction monitoring. It is important for the sales team to be alert to unusual repayment requests or demands for loan restructuring right after disbursement Flag if a customer suddenly stops responding post Identify if customer behavior changes post Operations team responsibility is to identify large cash transactions, ensure alerts are raised for cash repayment of two lakh and above, and cash repayments forming more than 25% of total collections. Credit team must verify the end use of funds post disbursement. Collections team should monitor repayment behavior daily, flag lump sum cash payments, frequent early repayments or overpayments, request for refunds or routing money through Varthana, report to compliance if patterns seem inconsistent. In AML and KYC, trust is important, but verification is non-negotiable. Trust, but verify. That's how we protect our people and our purpose. And with this, we come to an end of the session on AML and KYC. Thank you for your valuable time.