Intense competition in Tamil Nadu
Competitors poaching staff and high attrition could impact growth and collection efficiency in Tamil Nadu.
APTUSVALUEHOUSINGFINANCE / Q4-FY26 / risks
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Aptus Value Housing · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Yield compression from rate cuts
Calibrated lending rate reductions for incremental housing loans may reduce spreads by 15-20bps, impacting profitability.
Rising GNPA in NBFC portfolio
GNPA increased to 1.52% due to higher stress in NBFC segment (20-30bps higher than housing), requiring stronger collection efforts.
Potential increase in borrowing costs
Management noted incremental cost of funds may rise slightly, which could offset some spread benefits.