PLR cut may compress spreads
ALCO decided to cut PLR by 15 bps from February 2026, which could reduce spreads by ~12 bps, though management expects exit spread to still be 10-11 bps better than March 2025.
AADHARHFC / Q3-FY26 / risks
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Aadhar Housing Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Competition in affordable housing segment
Analyst raised concern about rising competition; management acknowledged competition in prime and affordable segments but sees limited impact in low-income segment where Aadhar operates.
Punjab flood impact on growth
Management noted Punjab is still recovering from floods, leading to slower growth in that state.