Intense competition in prime home loans
Competition remains very intense in the prime home loan segment, which could pressure growth and spreads.
BAJAJHFL / Q2-FY25 / risks
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Bajaj Housing Finance · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Potential asset quality cycle in developer finance
Analyst raised concern about historical patchy asset quality in developer finance during downturns; management defended granular underwriting but acknowledged risk.
Slowdown in retail disbursement growth
Retail disbursements grew only 7% YoY in Q2, raising concerns about future AUM growth trajectory as base expands.
Regulatory silent period limits guidance
Management refrained from providing specific forward-looking guidance due to IPO-related silent period, creating uncertainty for investors.