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Choice International Ltd

CHOICEIN

NSE

₹733.65-0.93%19 Oct 2026

Reports

Finance Capital Markets Brokers

Choice International Ltd

CHOICEIN

NSE

₹733.65

-0.93%

19 Oct 2026

SOICxStockScans Reports

Ask AI

Finance Capital Markets Brokers

Indices

Business Overview: What the company does, in plain English.Growth Catalysts: The forward growth drivers and triggers.Guidance Report: Management guidance vs outcomes.Forensic Report: Accounting quality and red flags.Deep Dive Report: In-depth business analysis.

Choice International began as a small chartered-accountancy practice and was reshaped into a financial-services group under Managing Director Kamal Poddar, guided by founder Sunil Patodia’s ambition to be a “Game Changer”. Today it is a fintech-enabled ecosystem that calls itself a “One Stop Financial Hub,” stitching together stock broking, wealth distribution, insurance, lending and government advisory so that a customer can meet almost every financial need on a single platform. The recurring approach is to build technology in-house, push distribution through a physical-plus-digital network of branches and independent agents, and then use the cash flows of one engine to fund the next - a pattern visible from its broking roots all the way to its newest mutual-fund and green-finance bets.

Business segments

Four engines at different stages - a broking-and-distribution cash cow that doubles as the group’s customer factory, a fast-growing network of independent financial agents, a niche NBFC aimed at small-town credit gaps, and a government-consulting practice that brings in large, sticky mandates - each built with the cash flows of the one before.

1. Stock broking and wealth distribution: the customer factory

A full-service broking platform that acquires young, small-town investors through branches and franchisees, then cross-sells them mutual funds, insurance and loans on a single app.

The branch is the funnel - 155 branches and 1,810 registered franchisees bring in clients from Tier‑III cities and below, where 68% of the customer base lives; a new branch typically breaks even in six months.
Young, active and online - 51% of clients are aged 35 or under, 72% of revenue comes through the digital channel, and the retail equity market share on the NSE stood at 1.42% as of March 2026.
One app, many wallets - the Choice FinX super-app handles 25 million-plus API requests a day and houses stock trading, mutual funds, NCDs with a live yield calculator, and an in-app investor-education academy called Choice Academy.
Wealth is stitched on through acquisitions - the purchase of Arete Capital Services (AUM of ₹5,151 crores) and the distribution book of Fintoo Group, together with smaller bolt-on buys, lifted combined wealth AUM to ₹6,241 crores; a contract with India Post Payments Bank opens a distribution pipe into ~12 crore savings-account customers across every state.
Insurance rides the same rails - the insurance-broking arm placed 50,645 policies in a quarter through 42-plus partner insurers, while a POSP (point-of-sales-person) network that has grown from 1,307 to 14,592 agents since FY23 sells bite-sized policies in retail and corporate segments.

2. Choice Connect: the agent network that multiplies reach

An asset-light platform that turns tens of thousands of individuals into full-service financial advisors, earning fees on every product they sell without the company carrying the cost of branches.

Zero-investment micro-entrepreneurs - 67,935 Choice Business Associates (CBAs) are on the platform, up from 1,057 in FY19; they can onboard digitally and sell stock broking, mutual funds, loans, insurance, credit cards and government securities.
Deep rural reach - 44% of CBAs operate in rural areas and another 24% in semi-urban towns, giving the group a distribution footprint that its own branches cannot match.
Training as the fuel - over 500 training sessions were run in a single quarter, covering more than 6,700 CBAs, while proprietary algorithms feed them business leads and personalized marketing material.
Pay only for performance - 6,700-plus CBAs received payouts in Q4 FY26, generating 224,000-plus business leads; the model creates a variable-cost distribution layer on top of the group’s fixed branch network.

3. NBFC: lending into the credit gap

A small-but-focused non-bank lender that writes secured MSME and solar loans in semi-urban and rural pockets where formal credit is scarce.

Secured lending to small businesses - MSME business loans make up 77% of the retail portfolio, with an average ticket size of ₹800,000, a tenor of up to 10 years, and security coverage of 40-80%.
Solar finance as a second leg - the NBFC committed ₹100 crores to rooftop-solar financing under the Pradhan Mantri Suryoday Yojana, writing loans with 100% security coverage and an average ticket of ₹700,000 in Rajasthan.
Bought, not just built - the acquisition of Paisabuddy Finance and Sureworth Financial Services in FY25 doubled the branch network from 71 to 168 locations and lifted AUM from ₹458 crores to ₹801 crores, while the workforce grew from 536 to 1,180 employees.
Conservative funding and underwriting - the liability side is spread across more than 25 banks and financial institutions, while every loan goes through real-time credit-bureau checks, geo-tagging of the customer’s house, and penny-drop verification to keep gross NPAs at 2.74%.

4. Advisory services: the government-consulting engine

A project-based consultancy that wins long-duration mandates from central and state governments, multilateral agencies, and urban local bodies - generating an order book that provides multi-year visibility.

Infrastructure consulting is the anchor - 64% of the ₹6.98 billion order book comes from infrastructure consulting, covering highways (3,000-plus km designed or supervised), affordable housing (2 lakh-plus houses facilitated under PMAY), and water schemes that have reached 5.5 crore-plus citizens under JJM.
Deep government relationships - the division works with 150-plus government departments, 1,000-plus urban local bodies and 50,000-plus panchayati raj institutions across 20-plus states, and counts the ADB, World Bank and UNFPA among its multilateral clients.
IT and capacity-building fill out the mix - the company is digitizing 13,000-plus primary agriculture cooperative societies across seven states, touching 30 million-plus farmers, and has trained 15,000-plus trainees through 10 lakh-plus training hours.
Acquisitions add specialised muscle - the purchase of Ayoleeza Consultants brought a 200-person team and a live order book exceeding ₹200 crores in railways, metros, roads and bridges, while the successful resolution bid for Feedback Infra (subject to NCLT approval) promises further scale.

Group structure and partners

A listed holding company with separately capitalised subsidiaries for each regulated activity, plus a web of joint ventures and strategic partners that extend its reach without bloating the balance sheet.

Choice International Limited (CHOICEIN) sits at the top, listed on BSE and NSE, with direct subsidiaries housing broking, insurance broking, NBFC, mutual fund, advisory and investment-banking licences.
The broking subsidiary Choice Equity Broking owns the wealth-distribution arms (Choice Wealth and Arete Capital), the agent-network platform Choice Connect, and the in-house technology factory Choice Tech Lab.
The NBFC funds itself through relationships with over 25 banks and financial institutions, while the wealth business has plugged into India Post Payments Bank’s nationwide network of ~1.6 lakh post offices.

Quick Ratios

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Peer Comparison

Quick Ratios

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Peer Comparison

Price

Charts

Documents

Edit Ratios

Mkt Cap

Market Capitalization

₹16,307Cr

Close Price

₹732.00

Industry

Finance Capital Markets Brokers

Price To Earnings

63.05

Price To Sales

13.65

Revenue

₹1,194Cr

Rev Gr TTM

Revenue Growth TTM

26.47%

PAT Gr TTM

PAT Growth TTM

40.22%

Consolidated

Standalone

Numbers

Percentage

Quarter	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue RevenueCr	191	207	215	201	247	209	253	235	274	303	307	310
Growth YoY Revenue Growth YoY%	148.9	115.2	56.3	45.9	29.6	1.0	17.9	16.9	10.9	44.9	21.2	32.0
Expenses ExpensesCr	142	141	147	148	172	150	157	151	185	192	191	205
Operating Profit Operating ProfitCr	49	67	67	53	76	60	96	83	89	112	116	105
OPM OPM%	25.5	32.2	31.5	26.4	30.7	28.4	38.0	35.6	32.5	36.8	37.7	33.8
Other Income Other IncomeCr	3	3	2	5	2	2	2	3	10	5	7	9
Interest Expense Interest ExpenseCr	10	11	12	13	15	16	22	21	21	21	26	28
Depreciation DepreciationCr	2	2	2	2	2	2	3	3	4	3	10	6
PBT PBTCr	40	56	55	43	61	43	74	63	74	92	87	80
Tax TaxCr	10	16	16	11	14	13	20	15	18	27	19	19
PAT PATCr	30	40	39	32	46	31	54	48	56	66	68	61
Growth YoY PAT Growth YoY%	264.4	189.8	30.2	50.5	55.3	-23.7	35.8	49.8	21.6	113.5	26.8	26.4
NPM NPM%	15.7	19.4	18.4	15.9	18.8	14.7	21.1	20.4	20.6	21.6	22.1	19.6
EPS EPS₹	1.5	2.0	2.0	1.6	2.3	1.5	2.7	2.4	2.8	3.1	3.0	2.7

Quarter	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue RevenueCr	191	207	215	201	247	209	253	235	274	303	307	310
Growth YoY Revenue Growth YoY%	148.9	115.2	56.3	45.9	29.6	1.0	17.9	16.9	10.9	44.9	21.2	32.0
Expenses ExpensesCr	142	141	147	148	172	150	157	151	185	192	191	205
Operating Profit Operating ProfitCr	49	67	67	53	76	60	96	83	89	112	116	105
OPM OPM%	25.5	32.2	31.5	26.4	30.7	28.4	38.0	35.6	32.5	36.8	37.7	33.8
Other Income Other IncomeCr	3	3	2	5	2	2	2	3	10	5	7	9
Interest Expense Interest ExpenseCr	10	11	12	13	15	16	22	21	21	21	26	28
Depreciation DepreciationCr	2	2	2	2	2	2	3	3	4	3	10	6
PBT PBTCr	40	56	55	43	61	43	74	63	74	92	87	80
Tax TaxCr	10	16	16	11	14	13	20	15	18	27	19	19
PAT PATCr	30	40	39	32	46	31	54	48	56	66	68	61
Growth YoY PAT Growth YoY%	264.4	189.8	30.2	50.5	55.3	-23.7	35.8	49.8	21.6	113.5	26.8	26.4
NPM NPM%	15.7	19.4	18.4	15.9	18.8	14.7	21.1	20.4	20.6	21.6	22.1	19.6
EPS EPS₹	1.5	2.0	2.0	1.6	2.3	1.5	2.7	2.4	2.8	3.1	3.0	2.7

Consolidated

Standalone

Numbers

Percentage

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	184	130	143	117	127	169	272	389	751	910	1,119	1,194
Growth Revenue Growth%	224.9	-29.2	9.6	-18.4	8.9	32.9	61.1	43.2	92.9	21.3	22.9	26.5
Expenses ExpensesCr	160	103	113	86	93	134	194	287	532	626	719	773
Operating Profit Operating ProfitCr	24	27	30	31	34	34	78	103	219	285	400	421
OPM OPM%	13.1	20.6	21.1	26.6	26.4	20.3	28.8	26.4	29.2	31.3	35.8	35.3
Other Income Other IncomeCr	3	5	9	5	5	7	14	6	9	11	25	31
Interest Expense Interest ExpenseCr	19	19	21	20	17	15	15	22	40	66	89	96
Depreciation DepreciationCr	2	2	3	3	3	3	3	5	7	9	20	24
PBT PBTCr	7	10	16	12	18	23	74	82	181	221	316	333
Tax TaxCr	3	4	4	3	6	6	20	22	50	59	79	83
PAT PATCr	4	6	12	9	12	17	54	60	131	163	238	251
Growth PAT Growth%	-12.1	45.7	99.9	-26.8	41.1	34.4	220.8	12.1	117.8	24.3	46.2	40.2
NPM NPM%	2.2	4.6	8.4	7.5	9.8	9.9	19.7	15.4	17.4	17.9	21.3	21.0
EPS EPS₹	0.9	1.3	1.4	0.9	1.3	1.6	3.5	3.0	6.6	8.2	11.3	11.6

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	184	130	143	117	127	169	272	389	751	910	1,119	1,194
Growth Revenue Growth%	224.9	-29.2	9.6	-18.4	8.9	32.9	61.1	43.2	92.9	21.3	22.9	26.5
Expenses ExpensesCr	160	103	113	86	93	134	194	287	532	626	719	773
Operating Profit Operating ProfitCr	24	27	30	31	34	34	78	103	219	285	400	421
OPM OPM%	13.1	20.6	21.1	26.6	26.4	20.3	28.8	26.4	29.2	31.3	35.8	35.3
Other Income Other IncomeCr	3	5	9	5	5	7	14	6	9	11	25	31
Interest Expense Interest ExpenseCr	19	19	21	20	17	15	15	22	40	66	89	96
Depreciation DepreciationCr	2	2	3	3	3	3	3	5	7	9	20	24
PBT PBTCr	7	10	16	12	18	23	74	82	181	221	316	333
Tax TaxCr	3	4	4	3	6	6	20	22	50	59	79	83
PAT PATCr	4	6	12	9	12	17	54	60	131	163	238	251
Growth PAT Growth%	-12.1	45.7	99.9	-26.8	41.1	34.4	220.8	12.1	117.8	24.3	46.2	40.2
NPM NPM%	2.2	4.6	8.4	7.5	9.8	9.9	19.7	15.4	17.4	17.9	21.3	21.0
EPS EPS₹	0.9	1.3	1.4	0.9	1.3	1.6	3.5	3.0	6.6	8.2	11.3	11.6

Consolidated

Standalone

Numbers

Percentage

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	10	10	20	20	20	29	50	100	199	200	223
Reserves ReservesCr	53	60	146	154	168	220	360	378	423	645	1,449
Current Liabilities Current LiabilitiesCr	151	193	252	286	274	357	518	507	906	1,194	1,285
Non Current Liabilities Non Current LiabilitiesCr	17	14	10	14	16	35	49	120	260	319	457
Total Liabilities Total LiabilitiesCr	232	287	428	474	503	656	978	1,109	1,806	2,619	3,566
Current Assets Current AssetsCr	171	215	291	344	386	554	853	868	1,412	1,881	2,653
Non Current Assets Non Current AssetsCr	61	71	138	130	116	101	125	241	394	738	913
Total Assets Total AssetsCr	232	287	428	474	503	656	978	1,109	1,806	2,619	3,566

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	10	10	20	20	20	29	50	100	199	200	223
Reserves ReservesCr	53	60	146	154	168	220	360	378	423	645	1,449
Current Liabilities Current LiabilitiesCr	151	193	252	286	274	357	518	507	906	1,194	1,285
Non Current Liabilities Non Current LiabilitiesCr	17	14	10	14	16	35	49	120	260	319	457
Total Liabilities Total LiabilitiesCr	232	287	428	474	503	656	978	1,109	1,806	2,619	3,566
Current Assets Current AssetsCr	171	215	291	344	386	554	853	868	1,412	1,881	2,653
Non Current Assets Non Current AssetsCr	61	71	138	130	116	101	125	241	394	738	913
Total Assets Total AssetsCr	232	287	428	474	503	656	978	1,109	1,806	2,619	3,566

Consolidated

Standalone

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	28	-20	4	-36	26	-45	-52	138	-153	-294	-267
Investing Cash Flow Investing Cash FlowCr	4	-11	-22	54	13	15	-102	-48	-13	-161	-277
Financing Cash Flow Financing Cash FlowCr	-22	21	39	-28	-15	23	146	-29	224	449	600
Net Cash Flow Net Cash FlowCr	10	-9	21	-11	24	-7	-8	62	58	-6	56
Free Cash Flow Free Cash FlowCr	23	-25	-1	-54	35	-46	-55	112	-166	-323	-277
CFO To PAT CFO To PAT%	674.9	-326.4	33.8	-411.5	210.9	-267.8	-96.5	230.4	-116.9	-181.0	-112.3
CFO To EBITDA CFO To EBITDA%	115.6	-73.0	13.5	-116.7	78.1	-130.5	-66.2	134.8	-69.8	-103.5	-66.8

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	28	-20	4	-36	26	-45	-52	138	-153	-294	-267
Investing Cash Flow Investing Cash FlowCr	4	-11	-22	54	13	15	-102	-48	-13	-161	-277
Financing Cash Flow Financing Cash FlowCr	-22	21	39	-28	-15	23	146	-29	224	449	600
Net Cash Flow Net Cash FlowCr	10	-9	21	-11	24	-7	-8	62	58	-6	56
Free Cash Flow Free Cash FlowCr	23	-25	-1	-54	35	-46	-55	112	-166	-323	-277
CFO To PAT CFO To PAT%	674.9	-326.4	33.8	-411.5	210.9	-267.8	-96.5	230.4	-116.9	-181.0	-112.3
CFO To EBITDA CFO To EBITDA%	115.6	-73.0	13.5	-116.7	78.1	-130.5	-66.2	134.8	-69.8	-103.5	-66.8

Consolidated

Standalone

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	43	55	250	139	152	350	1,136	2,819	5,459	10,020	13,616	16,307
Price To Earnings Price To Earnings	10.5	8.7	20.4	23.6	12.3	21.0	21.2	46.9	41.7	64.0	62.6	63.0
Price To Sales Price To Sales	0.2	0.4	1.6	1.1	1.1	2.0	4.0	7.2	7.2	10.9	12.0	13.7
Price To Book Price To Book	0.7	0.8	1.5	1.1	1.0	1.7	3.1	6.5	9.4	12.5	8.3	10.0
EV To EBITDA EV To EBITDA	4.7	5.9	12.0	9.0	7.3	13.1	15.5	27.0	24.7	35.1	35.0	40.1
Profitability Ratios Profitability Ratios
GPM GPM%	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
OPM OPM%	13.1	20.6	21.1	26.6	26.4	20.3	28.8	26.4	29.2	31.3	35.8	35.3
NPM NPM%	2.2	4.6	8.4	7.5	9.8	9.9	19.7	15.4	17.4	17.9	21.3	21.0
ROCE ROCE%	14.3	13.6	10.7	9.6	10.8	9.7	14.2	15.2	23.0	22.0	15.9	15.9
ROE ROE%	6.5	8.6	7.2	5.1	6.6	6.7	13.1	12.6	21.0	19.3	14.2	14.2
ROA ROA%	1.8	2.1	2.8	1.9	2.5	2.5	5.5	5.4	7.3	6.2	6.7	6.7
Operational Ratios Operational Ratios
Solvency Ratios Solvency Ratios
Liquidity Ratios Liquidity Ratios

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	43	55	250	139	152	350	1,136	2,819	5,459	10,020	13,616	16,307
Price To Earnings Price To Earnings	10.5	8.7	20.4	23.6	12.3	21.0	21.2	46.9	41.7	64.0	62.6	63.0
Price To Sales Price To Sales	0.2	0.4	1.6	1.1	1.1	2.0	4.0	7.2	7.2	10.9	12.0	13.7
Price To Book Price To Book	0.7	0.8	1.5	1.1	1.0	1.7	3.1	6.5	9.4	12.5	8.3	10.0
EV To EBITDA EV To EBITDA	4.7	5.9	12.0	9.0	7.3	13.1	15.5	27.0	24.7	35.1	35.0	40.1
Profitability Ratios Profitability Ratios
GPM GPM%	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
OPM OPM%	13.1	20.6	21.1	26.6	26.4	20.3	28.8	26.4	29.2	31.3	35.8	35.3
NPM NPM%	2.2	4.6	8.4	7.5	9.8	9.9	19.7	15.4	17.4	17.9	21.3	21.0
ROCE ROCE%	14.3	13.6	10.7	9.6	10.8	9.7	14.2	15.2	23.0	22.0	15.9	15.9
ROE ROE%	6.5	8.6	7.2	5.1	6.6	6.7	13.1	12.6	21.0	19.3	14.2	14.2
ROA ROA%	1.8	2.1	2.8	1.9	2.5	2.5	5.5	5.4	7.3	6.2	6.7	6.7
Operational Ratios Operational Ratios
Solvency Ratios Solvency Ratios
Liquidity Ratios Liquidity Ratios

	GROWW	ANGELONE	CHOICEIN	IIFLCAPS	SHAREINDIA	ARSSBL	MONARCH
Market CapitalizationMkt CapCr	1,24,267	27,703	16,307	10,935	4,055	3,052	2,717
Close PriceClose₹	198.08	302.90	732.00	346.75	185.30	484.00	342.55
IndustryIndustry	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers
Price To EarningsPE	45.43	23.87	63.05	18.89	11.17	18.87	14.99
Price To SalesPS	21.71	4.90	13.65	4.49	2.57	2.98	7.44
RevenueRevenueCr	5,724	5,651	1,194	2,434	1,577	1,023	365
Revenue Growth TTMRev Gr TTM%	54.8%	21.3%	26.5%	2.2%	14.6%	22.9%	7.5%
PAT Growth TTMPAT Gr TTM%	40.6%	47.7%	40.2%	-19.0%	17.8%	58.6%	17.3%

	GROWW	ANGELONE	CHOICEIN	IIFLCAPS	SHAREINDIA	ARSSBL	MONARCH
Market CapitalizationMkt CapCr	1,24,267	27,703	16,307	10,935	4,055	3,052	2,717
Close PriceClose₹	198.08	302.90	732.00	346.75	185.30	484.00	342.55
IndustryIndustry	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers	Finance Capital Markets Brokers
Price To EarningsPE	45.43	23.87	63.05	18.89	11.17	18.87	14.99
Price To SalesPS	21.71	4.90	13.65	4.49	2.57	2.98	7.44
RevenueRevenueCr	5,724	5,651	1,194	2,434	1,577	1,023	365
Revenue Growth TTMRev Gr TTM%	54.8%	21.3%	26.5%	2.2%	14.6%	22.9%	7.5%
PAT Growth TTMPAT Gr TTM%	40.6%	47.7%	40.2%	-19.0%	17.8%	58.6%	17.3%

FY2026

FY2025

FY2024

FY2023

FY2022

FY2021

FY2020

FY2026

Jun 26

Result PPT Transcript Summary

Mar 26