Sudhin Choksey, MD of Gruh Finance, says the firm is happy with its performance in the first quarter of FY20. He says Q3 and Q4 are to post better numbers as cost of funds is expected to go down going ahead. He says the company aims to sustain NII at current level going ahead. He says that the company has received all required approvals for merger with Bandhan Bank. He adds that liquidity challenges may not be there going forward.