Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
R
Co-lending guideline impact
New RBI co-lending guidelines effective Jan 2026 may cause temporary slowdown in co-lending volumes for a couple of quarters as existing contracts expire and technology integration is completed.
medium · management_commentary
R
Gold price volatility
Sharp decline in gold prices could increase LTVs and require margin calls or auctions, though management believes a 10-15% crash in a single day is unlikely.
medium · analyst_question
R
Interest rate hike risk
Potential rate hikes post-election could limit further reduction in cost of funds, impacting NIM expansion.
low · management_commentary
R
Capital adequacy pressure
Capital adequacy declined due to subsidiary investment; management plans to use DA/co-lending and raise Tier-2 capital to maintain buffers.