Geopolitical tensions (West Asia) impact on customer sentiment
Management acknowledged potential risk but noted no current stress in bounce rates or collections; NRI exposure is minimal.
AADHARHOUSINGFINANCE / Q4-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
Interest rate stagnation or reversal
If inflation persists, interest rates may rise, impacting spreads; however, floating book (73% assets, 76% liabilities) provides pass-through ability.
Competitive intensity in urban segments
Banks remain active in urban housing, but management sees limited impact on their low-income focus segment.
LAP growth slowdown due to cautious stance
Deliberate reduction in LAP disbursements (21% in Q4 vs typical 28-29%) could pressure yields if not reversed.