 applied for loans, say, suppose they applied for 5,000 rupees, what the company did, the loan applications, they did not actually give them 5,000 rupees. They would deduct a huge sum of money in the name of processing fee or some sort of charges. So, for instance, a person who applied for 5,000 would get 3,500 rupees as loan. And at the same time, the interest rate would not be clear to them.