Deposit cost repricing may slow due to competitive pressures
Non-retail term deposit rates have started to inch up in Q4, potentially limiting further decline in cost of deposits.
AXISBANK / Q3-FY26 / risks
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Material risks this quarter
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Margin headwinds from further rate cuts and mix shift
Full pass-through of the 25 bps repo rate cut in Q4 will pressure NIMs, partially offset by deposit repricing.
LCR neutrality under new guidelines may shift with deposit mix
New LCR rules from April 2026 are broadly neutral, but changes in deposit composition could alter outflow rates.