Rising cost of funds
Cost of borrowing increased 7bps QoQ for NBFC and 5bps for HFC; further increases could pressure NIMs if competitive intensity limits pass-through.
ABCAPITAL / Q3-FY24 / risks
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Aditya Birla Capital · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Regulatory tightening on unsecured lending
RBI's increased risk weights on personal and consumer loans could impact growth and capital adequacy; NBFC CAR improved to 16.67% but remains a watch item.
Competition in secured lending
Banks are increasingly competing in secured loans (mortgages, LAP), which could pressure yields and market share.
Health insurance loss trajectory
Health insurance net loss widened to ₹270 crore in 9M FY24 from ₹217 crore YoY; profitability improvement depends on Q4 performance and sustained loss ratio control.