Macroeconomic disruption
Any adverse macro event or black swan could derail growth targets, as acknowledged by management.
AAVAS / Q3-FY26 / risks
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Aavas Financiers · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
high
Competition from larger HFCs entering affordable housing
Analyst raised concern about increased competition; management downplayed it citing different customer segments and ticket sizes.
NHB refinance dependency
NHB refinance share has fallen to 12% due to pending sanctions post-CBC transaction; new sanctions are awaited.