On the 10th anniversary of the Pradhan Mantri Mudra Yojana, beneficiaries from across India came forward to share their success stories. Young entrepreneurs from small towns and villages expressed how the Mudra loan transformed their lives. One beneficiary revealed that he quit his job to start a business and now has a turnover of ₹50 lakh. Another young student is managing a startup alongside his college studies. Many called their interaction with the Prime Minister a deeply emotional moment. Over the past decade, ₹33 lakh crore has been disbursed under the scheme without requiring collateral, with women emerging as key beneficiaries. A total of 52 crore loans have been issued, creating employment opportunities for youth and women alike. Initially offering loans from ₹50,000 to ₹5 lakh, the scheme now extends up to ₹20 lakh. PM Mudra Yojana has empowered ordinary citizens to become self-reliant entrepreneurs.
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00:00I am sitting here for the first time, sir.
00:02I was so poor that if I used to get this salary, I would have to think twice.
00:08I am staying with all my dogs. It's a separate stay.
00:11Everyone in the house must be fed up of you.
00:15You want to fight the elections.
00:20Congratulations to those who have to go to the roof.
00:23Our destination is the sky. The path is made for us.
00:30I would like to share my story with you.
00:40I became an entrepreneur from a pet hobby.
00:44My business venture is called K9 World.
00:47We provide pet supplies, medicines and pets.
00:54We have started pet boarding facilities.
01:01If pet parents are going out, they can leave their pets with us.
01:07Their pets stay with us in a homely environment.
01:09My love for animals is different.
01:12It doesn't matter if I eat or not, but I have to feed them.
01:16Everyone in the house must be fed up of you.
01:20I am staying with all my dogs. It's a separate stay.
01:25I would like to thank you.
01:28Because of you, many pet lovers and NGO workers are not able to do their work openly.
01:35They are not able to do their work openly without any restrictions.
01:38If you are not a pet lover, you are not allowed to stay in my house.
01:44After coming here, your publicity will increase.
01:47Your hostel will become smaller.
01:49Earlier, I used to earn Rs. 20,000 per month.
01:52Now, I can earn Rs. 40,000 to Rs. 50,000 per month.
01:55When you got a loan from the bank,
02:01call them and thank them for trusting you.
02:11People don't dare to do this.
02:13You gave me a loan.
02:15See how I am working.
02:17Definitely.
02:18They will feel good that they have done a good job.
02:20The PM's aura is a pin drop silence.
02:25He broke it a little and got along with us.
02:28I found that very attractive.
02:30The second most important thing is that he is a very good listener.
02:34I am Gopi Krishnan.
02:36Entrepreneur based of Mudra Loan from Kerala.
02:39PM Mudra Yojana has transformed me into a successful entrepreneur.
02:44My business continues to thrive.
02:46Bringing renewable energy solutions to households and offices
02:51while creating job opportunities.
02:54When you came back from Dubai, what was your plan?
03:00When I came back, I got information about Mudra Loan.
03:07That's why I resigned from the company.
03:09Oh, you found out there.
03:11Yes, I resigned, came here, applied for Mudra Loan and started this.
03:15How long does it take to complete the work of Suryagarh on one house?
03:19Maximum two days.
03:21You can do the work of a house in two days.
03:23Yes, I can do the work.
03:24You may have been afraid that what will happen if I can't pay the money.
03:28Your parents must be scolding you.
03:30You came back from Dubai. What will happen?
03:33I was a little worried about my mother.
03:37But with God's grace, everything happened.
03:42What is the reaction of those people who are getting free electricity from PM Suryagarh?
03:48Because in Kerala, houses are low, beds are big,
03:54the sun is very low, it rains too.
03:58How do they feel?
04:00After applying this, they get a bill of Rs. 240-250.
04:04For Rs. 3000, they get a bill of Rs. 250.
04:09How much do you work every month?
04:12How much will the amount be?
04:13This amount I...
04:17No, the income tax will not come. Don't be afraid.
04:20Don't be afraid.
04:21I am getting Rs. 250,000.
04:23This minister is sitting next to me. I will tell him.
04:27He is asking about your income tax.
04:29It is above Rs. 250,000.
04:31Dreams are not those that we see while sleeping.
04:34Dreams are those that don't let us sleep.
04:37Troubles will come and difficulties will also come.
04:40The one who struggles will be successful.
04:43I am the founder of House of Puchka.
04:46When we used to cook food at home, it tasted good.
04:49So everyone suggested that I go to the cafe field.
04:52After doing research, I came to know that the profit margin is also good.
04:55If you manage food costs, you can run a successful business.
04:59There is a generation of youth who feel that they will get a job and settle down.
05:06They will not take risks.
05:08You have the capacity to take risks.
05:11You will have friends from Raipur, corporate world and students.
05:18What is the discussion about this?
05:20What questions do they ask?
05:21What do they feel?
05:22Can they do this?
05:23Should they do this?
05:24Do they also feel like moving forward?
05:26Sir, I am 23 years old.
05:29I have the ability to take risks and I have time.
05:33This is the right time.
05:36Most of the youth feel that they do not have funding.
05:39But they are not aware of the government schemes.
05:41I would like to give them this suggestion from my side.
05:44Do some research.
05:45Like Mudra Loan, PMEGP Loan.
05:48There are many loans that you are getting without a mortgage.
05:50If you have the potential, then drop the job.
05:54Because the sky has no limits for you.
05:56Do business and you can grow as much as you want.
06:00Congratulations to those who have to go to the roof.
06:04Our destination is the sky.
06:06We have to make our own way.
06:07I am MD Mudassir Naqshbandi, the owner of Bake My Cake, Baramulla, Kashmir.
06:13We have become job creators from job seekers with a successful business.
06:17We have provided stable jobs for 42 persons from remote areas of Baramulla.
06:22You are progressing so fast.
06:25What was your situation before the bank gave you a loan?
06:31Sir, overall that was 2021.
06:34Before this, I was not in lakhs or crores.
06:37I was just in thousands.
06:39Do you also use UPI?
06:43Sir, when we check the cash in the evening, I get very disappointed.
06:47Because 90% of the transactions are done by UPI.
06:50And we have just 10% of cash in hand.
06:53Actually, I found him very polite.
06:56And I didn't feel that he is the Prime Minister of our country.
06:59It felt like someone was with us and guiding us.
07:02So that humbleness was shown by him.
07:06From where did you get this information?
07:09What work did you do before?
07:11What work do you have in your family?
07:14Sir, I used to work before.
07:16Where?
07:17In WAPI.
07:19And in 2022, I thought that nothing is going to happen with the job.
07:25So I started my own business.
07:27In WAPI, you used to go by train daily.
07:30You used to earn a living.
07:32The friendship of the train is amazing.
07:34Sir, I live in Silvas.
07:36And I used to work in WAPI.
07:39Now I live in Silvas.
07:41I know, he is a gang of up-and-downs.
07:43But they must be asking, how did you start earning?
07:47What are you doing?
07:48Does any of them feel like taking a cash loan?
07:51Yes, sir.
07:52Recently, when I was coming here,
07:55one of my friends told me that if possible,
07:58I should also take a cash loan.
08:02First of all,
08:05I thank you all for coming to my house.
08:11In our scriptures, it is said that
08:14when guests come to the house,
08:16and their feet touch the floor,
08:18the house becomes holy.
08:22So I welcome you all.
08:26All of you must have some experience.
08:29Someone must have some emotional experience
08:32while doing their work.
08:34If you feel like saying something,
08:36then I would like to hear it.
08:38Sir, first of all, I would like to say this to you.
08:41Because you speak and listen to your heart.
08:44So, in front of you,
08:46there is a woman trader from a very small city, Raibareli.
08:49She is the proof of the fact that
08:51the benefit MSMEs are getting
08:53from your co-operation and support.
08:56It is a very emotional time for me to come here.
09:00And I promise you that
09:02we will make India a developed India.
09:04The way you are treating MSMEs like children,
09:08whether it is about getting a license,
09:10the problems you face from the government,
09:12or about funding.
09:14Do you want to fight elections?
09:18No, no, sir.
09:19This is just what I wanted to say.
09:22Because I felt that
09:24I was facing these problems before.
09:26When I used to go to get loans,
09:28I used to get refused.
09:30Now tell me, what do you do?
09:32I run a bakery.
09:34How much do you earn now?
09:36Sir, my monthly turnover is
09:38Rs. 2.5 to 3 lakhs.
09:42And how many people do you employ?
09:44Sir, we employ 7 to 8 people.
09:48Sir, my name is Lovkush Mehra.
09:50I am from Bhopal, Madhya Pradesh.
09:52Earlier, I used to work as a jockey.
09:54I used to work for someone.
09:56You have taken our guarantee through
09:58Mudda Loan.
10:00And today, we have become owners.
10:02Actually, I am an MBA.
10:04And I had no knowledge of the pharmaceutical industry.
10:06I started my work in 2021.
10:10Sir, I approached banks first.
10:12They gave me a CC Limit Mudda Loan
10:14of 5 lakhs.
10:16But sir, I was scared that
10:18I am taking such a big loan for the first time.
10:20So, I used to spend 3 to 3.5 lakhs.
10:24Today, my Mudda Loan has increased
10:26from 5 lakhs to 9.5 lakhs.
10:28My first year was a turnover of 12 lakhs.
10:30Today, it has increased to
10:3250 lakhs.
10:34Your other friends
10:36think that this is also
10:38a way of life.
10:40After all,
10:42Mudra Yojana is not for
10:44the welfare of Modi.
10:46Mudra Yojana
10:48is for the youth of this country
10:50to have the courage
10:52to stand on their own feet.
10:54And their courage should increase.
10:56Why will I wander
10:58to earn a living?
11:00I will give a livelihood to 10 people.
11:02This is to create a mood.
11:04Does this come in the experience
11:06of people around you?
11:08Yes, sir.
11:10My village, Ganesh Dam Bachavani,
11:12is about 100 km from Bhopal.
11:14There, at least 2 to 3 people
11:16have opened an online digital shop.
11:18Someone has opened
11:20a photo studio.
11:22They have also taken a loan of 2 lakhs each.
11:24I have also helped them.
11:26Even my friends...
11:28I expect you
11:30to give people a livelihood.
11:32But tell people
11:34that they are getting money
11:36without any guarantee.
11:38Why are you sitting at home?
11:40Go and trouble the bank people.
11:43Because of this loan,
11:456 months ago,
11:47I have bought my own house
11:49worth 34 lakhs.
11:53I used to work for 70,000 rupees.
11:56Today, I earn more than 1.5 lakhs
11:58per month.
12:00Congratulations.
12:02It's all because of you.
12:04Your hard work pays off.
12:06I didn't feel that
12:08I was talking to the Prime Minister.
12:10I felt like someone from my family
12:12was talking to me.
12:14The way
12:16they are doing
12:18their Mudra Loan scheme,
12:20how successful
12:22we have become,
12:24they understood the whole story.
12:26The way they motivated us,
12:28you should also be aware
12:30of the Mudra Loan scheme
12:32so that more people
12:34can start their business.
12:36I have come from Bhavnagar, Gujarat.
12:38You look very young.
12:40I am in my final year.
12:42You study and earn?
12:44Yes.
12:46I am the founder of Aditya Tech Lab.
12:48I do 3D Printing,
12:50Reverse Engineering, Rapid Prototyping
12:52and Robotics.
12:54Because I am a final year
12:56Mechatronics student.
12:58I am good at Automation.
13:00I got this Mudra Loan
13:02when I was
13:0421 years old.
13:06I heard that
13:08the process of getting a loan is very complex.
13:10You won't get it this year.
13:12Who will believe you?
13:14Experience the job for 1-2 years.
13:16I went to Sauras Gramini Bank
13:18in Bhavnagar.
13:20I told them
13:22what I wanted to do.
13:24They agreed.
13:26I took a loan
13:28of Rs. 2 Lakhs
13:30under the Kishore category.
13:32I have been doing this for 4 months.
13:34From Monday to Friday,
13:36I go to college.
13:38On weekends, I come to Bhavnagar
13:40and finish my pending work.
13:42I am earning Rs. 30,000-35,000 per month.
13:44How many people work?
13:46I work remotely.
13:48You work remotely?
13:50Yes, I work remotely.
13:52My parents are at home.
13:54They help me in part time.
13:56I get financial support from Mudra Loan.
13:58But I have to pay my own bill.
14:00Thank you, Sir.
14:02I am running my own business in Manali.
14:04My husband used to work in a vegetable market.
14:06After marriage,
14:08I told him
14:10that it is better to open a shop
14:12than to work for someone else.
14:14We opened a vegetable shop.
14:16People started asking
14:18us to sell flour and rice.
14:20The staff of Punjab National Bank
14:22used to come to us
14:24to buy vegetables.
14:26I asked them
14:28if we could get money.
14:30They said no.
14:32This happened in 2012-13.
14:34I asked them
14:36if they could give me some money.
14:38You are saying 2012-13.
14:40If a journalist finds out,
14:42he will say that you are abusing the old government.
14:44No, no.
14:46They asked me if I had any property.
14:48I said no.
14:50When I came to know about Mudra Loan
14:52in 2015-16,
14:54they told me
14:56that there is an initiative
14:58and I told them that I wanted it.
15:00They didn't ask for any documents.
15:02They gave me Rs. 2.5 lakhs for the first time.
15:04I returned that Rs. 2.5 lakhs
15:06to them in 2-2.5 years.
15:08They gave me Rs. 5 lakhs.
15:10Then I opened a grocery shop.
15:12Both the shops became smaller.
15:14My work started increasing.
15:16I used to earn Rs. 2-2.5 lakhs a year.
15:18Today, I am earning Rs. 10-15 lakhs a year.
15:20Wow.
15:22I completed Rs. 5 lakhs.
15:24They gave me Rs. 10 lakhs.
15:26I completed Rs. 6 lakhs in 2-2.5 years.
15:28Now, they gave me Rs. 15 lakhs
15:30in November 2024.
15:32Sir, my work is increasing a lot.
15:34I am feeling good.
15:36If our Prime Minister is like this
15:38and if he is supporting us,
15:40then we will also support him.
15:42We will not let anything go wrong.
15:44We will not let our career go wrong.
15:46We will not let them return the money.
15:48The bank said
15:50to take Rs. 20 lakhs.
15:52I said that I don't want it.
15:54If you take Rs. 15 lakhs,
15:56you will earn more.
15:58If you don't, you won't.
16:00I liked your scheme a lot.
16:02I am from Maharashtra.
16:04I don't know Hindi.
16:06I will speak in Telugu.
16:08I got married in 2009.
16:10I was a housewife
16:12till 2019.
16:14I took training
16:16in the central government
16:18training institute
16:20for 13 days program.
16:22The bank sanctioned
16:24Rs. 2 lakhs loan to me.
16:26I started my business
16:28in November 2019.
16:30Kendra bank trusted me and gave me Rs. 2 lakhs.
16:32There was no surety.
16:34No one supported me.
16:36Without surety, Rs. 2 lakhs loan was sanctioned.
16:38In 2022,
16:40Kendra bank saw my repayment
16:42and sanctioned Rs. 9.5 lakhs
16:44loan to me.
16:46Now, I have 15 members working with me.
16:48So, from Rs. 2 lakhs,
16:50I got Rs. 9.5 lakhs.
16:52How many people are working with you?
16:5415 members.
16:56All are housewives.
16:58All are RCT trainees.
17:00Rural self-employment
17:02training institute.
17:04I am also a jute faculty.
17:06Thank you so much
17:08for giving me this opportunity.
17:12Sir, my name is Poonam Kumari.
17:14Sir, I am from a very poor family.
17:16We had a very poor family.
17:18Have you come to Delhi for the first time?
17:20Yes, sir.
17:22Wow!
17:24I have taken a flight for the first time, sir.
17:26Okay.
17:28I was so poor that
17:30if I used to eat once,
17:32I had to think twice.
17:34But, sir,
17:36I am very brave because I am from a farmer's family.
17:38You are absolutely healthy.
17:40Because I am from a farmer's family,
17:42I used to face a lot of problems.
17:44So, one day,
17:46I talked to my husband
17:48about taking a loan
17:50and starting our own business.
17:52My husband said,
17:54yes, you are giving a very good suggestion.
17:56We should do it.
17:58I talked to my husband's friends.
18:00They told me that
18:02Mudra loan will be very good for me.
18:04You should do it.
18:06Then I went to the bank.
18:08SBI bank.
18:10They told me that
18:12yes, you can take it
18:14without any documents.
18:18So, sir,
18:20I got a loan of Rs. 8,00,000.
18:22I started my own business.
18:24I took the loan in 2024.
18:28It was a very good growth.
18:30What kind of work do you do?
18:32I am a SEEDS employee.
18:34My husband helps me a lot.
18:36He mostly works in the market.
18:38I have a Kanchari as well.
18:40I have progressed a lot.
18:42I am confident that
18:44I will complete the loan soon.
18:46I am very confident.
18:48How much can you earn in a month?
18:50I can earn up to Rs. 60,000.
18:52Okay, Rs. 60,000.
18:54So, your family is confident now.
18:56Yes, sir.
18:58I am independent now
19:00because of your scheme.
19:02You have done a very good job.
19:04Thank you, sir.
19:06I wanted to talk to you.
19:08I was not confident.
19:10I was not able to believe it.
19:12When I came to Delhi,
19:14I thought that I am leaving.
19:16Thank you, sir.
19:18My husband also wanted to come.
19:20Good luck.
19:22My aim is that
19:24my country's
19:26ordinary citizens
19:28should be
19:30full of confidence.
19:32Everyone faces problems.
19:34There are difficulties in life.
19:36But,
19:38if you get a chance,
19:40overcome the difficulties
19:42and move forward in life.
19:44This is what Mudra Yojana has done.
19:46Yes, sir.
19:48There are very few people in our country
19:50who understand
19:52how a revolution is happening silently.
19:54This is a very big silent revolution.
19:56Sir,
19:58I will try to tell other people
20:00about Mudra Yojana.
20:02Yes, sir.
20:04When we were young,
20:06we used to hear
20:10that good agriculture,
20:12medium business,
20:14and a good job
20:16were the things
20:18we used to hear.
20:20Gradually,
20:22the mindset of the society changed
20:24that the first job
20:26is to get settled
20:28somewhere.
20:30Life
20:32becomes sure.
20:34Business remained medium.
20:36People
20:38say that agriculture
20:40is the last option.
20:42Even a farmer
20:44has three sons.
20:46He tells one
20:48to take care of the farm
20:50and the other to earn a living.
20:54Now,
20:56medium business
20:58has always been
21:00considered as medium.
21:02But today,
21:04the young people of India
21:06who have entrepreneurial skills,
21:08if they get
21:10a little help
21:12in hand-holding,
21:14they get great results.
21:16In this Mudra Yojana,
21:18this is an eye-opening
21:20topic
21:22for any government.
21:26Most women
21:28have come forward.
21:30Most women
21:32have applied for loans.
21:34Most women have received loans.
21:36And most women
21:38have repaid
21:40loans.
21:44This means that
21:46the possibilities
21:48of a new region
21:50and a developed India
21:52are in this power.
21:54I think
21:56we should
21:58create an environment
22:00for successful people like you.
22:02You know that
22:04you won't need
22:06a politician's letter.
22:08You won't have to
22:10visit an MLA or MP's house.
22:12I believe that
22:14you won't have to give
22:16a single rupee to anyone.
22:18And without a guarantee,
22:20you will get money.
22:22And once you get money,
22:24you will use it.
22:26This brings
22:28discipline in your life.
22:30Otherwise,
22:32people will think that
22:34you have taken the money,
22:36now go to another city.
22:38This gives
22:40an opportunity to make life.
22:42And I want that
22:44the youth of my country
22:46should come to a region
22:48where there is
22:5033 lakh crore rupees.
22:56This money has been given
22:58to the people of this country
23:00without a guarantee.
23:04You read in the newspaper
23:06that it is the government of the rich.
23:10Even if you give the total
23:12of all the rich people,
23:14they won't get 33 lakhs.
23:16The ordinary people of my country
23:18have been given
23:2033 lakh crore rupees.
23:22The talented young people
23:24have been given
23:2633 lakh crore rupees.
23:28And all these people
23:30have given
23:32employment to
23:3440-50 people.
23:36This is a big job
23:38of giving employment.
23:40This generates the economy.
23:42Because of this,
23:44there is production,
23:46but the ordinary people
23:48who earn,
23:50they think that
23:52they will teach
23:54the children.
23:56They hesitate to teach
23:58the children.
24:00A society like this
24:02has a lot of benefits in life.
24:04It has been 10 years
24:06since this scheme was introduced.
24:08What is the nature of the
24:10ordinary government?
24:12They decide,
24:14hold a press conference,
24:16and announce
24:18that they will do this.
24:20After that,
24:22they call some people
24:24and light lamps.
24:26People clap.
24:28And if they keep worrying
24:30about the newspapers,
24:32the headlines will be printed.
24:34And after that,
24:36no one asks.
24:38This government is
24:40calculating this scheme
24:42after 10 years.
24:44They ask people,
24:46okay, we are saying that this happened,
24:48tell us what happened.
24:50And as I am asking you,
24:52in the coming days,
24:54all my colleagues
24:56will meet such groups.
24:58They will get information from them.
25:00And because of that,
25:02if someone wants to bring
25:04change in this,
25:06we will also go in that direction.
25:08But when you see us,
25:10continuously,
25:12from 50,000 to 5,00,000,
25:14look at the
25:16confidence of the government.
25:18Earlier,
25:20the government also used to think,
25:22what will we do if the
25:24population of 5,00,000 will drown?
25:26Then everyone will pluck
25:28Modi's hair.
25:30But the people of my country
25:32did not break my faith.
25:34You strengthened
25:36my faith in my countrymen.
25:38And because of that,
25:40I had the courage to
25:42reach from 50,000 to 20,00,000.
25:44This is not a small decision.
25:46This decision is made
25:48when
25:50the success of the
25:52scheme and people's
25:54trust, and both
25:56things are seen in it.
25:58I wish you all good luck.
26:00And I expect from you,
26:02like you give employment
26:04to 5-10 people,
26:06in the same way,
26:08encourage 5-10 people
26:10to do something of their own.
26:12So that they will have
26:14confidence.
26:16And in the country,
26:1852 crore loans have been given.
26:2052 crore people
26:22will not be there.
26:24Like Suresh said,
26:26earlier he took 2,50,000,
26:28then 9,00,000,
26:30then 2 loans were made.
26:32But 52 crore loans
26:34is a very big number in itself.
26:36In any country in the world,
26:38they cannot even think.
26:40And that's why I say,
26:42and we prepare our youth generation,
26:44that you should start
26:46yourself. There will be a lot of benefit.
26:48I remember
26:50when I was in Gujarat,
26:52I had a program
26:54called Gareeb Kalyan Mela.
26:56But
26:58in that,
27:00kids used to do
27:02a strict play.
27:04Now I don't want to be poor.
27:06There was a drama
27:08that used to motivate them.
27:12And then some people
27:14came on stage
27:16and used to deposit
27:18their ration cards
27:20in the government.
27:22And they used to say,
27:24we have come out of poverty.
27:26Now we don't need this facility.
27:28Then they used to give speeches
27:30that how did I
27:32change this situation.
27:34So once I was in Balsad district.
27:36Then
27:38a group of 8-10 people
27:40came.
27:42And all of them
27:44surrendered their
27:46poverty benefits to the government.
27:48Then they told their experience.
27:50So what was it?
27:52They were tribal people.
27:54And in the tribals,
27:56the work of the devotee was
27:58to play the bhajan,
28:00to sing in the evening.
28:02So from there they got a loan
28:04from the government.
28:06At that time there was no money
28:08scheme.
28:10My government used to run
28:12a scheme there.
28:14They brought some instruments
28:16to play.
28:18They trained some people.
28:20They made a company
28:22of 10-12 people
28:24to play the bhajan.
28:26And then they started
28:28going to our weddings
28:30to play the bhajan.
28:32And
28:34all of them came in a good
28:36condition.
28:38Every month they started earning
28:40Rs. 50-60,000.
28:42Even a small thing can bring a big
28:44change. I have seen many
28:46such incidents in front of my eyes.
28:48And from that only I get
28:50inspiration.
28:52I get inspiration from you people
28:54that yes, it can be like this in the country.
28:56Not in one, but in many.
28:58Let's do something like this.
29:00The people of the country
29:02can be made together.
29:04By studying their
29:06expectations, desires,
29:08conditions. This money scheme
29:10is a form of that.
29:12I am sure that you
29:14will take this success
29:16to new heights.
29:18And maximum benefit
29:20to the people.
29:22And the society has given you.
29:24You should also give to the society.
29:26It should not happen
29:28that the poor people
29:30enjoy.
29:32We should also do something
29:34for the society.
29:36Because of which
29:38the mind will get satisfaction.
29:40Thank you very much.