Real estate cycle downturn
A potential slowdown in residential real estate sales could impact developer finance book growth and asset quality.
BAJAJHFL / Q3-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
Competitive intensity compressing spreads
Intense competition in mortgage lending may compress net interest margins and spreads, affecting profitability.
Execution risk in affordable housing vertical
The new near-prime and affordable housing segment carries higher origination costs and credit risk, which may not materialize as expected.
Regulatory changes in housing finance
Changes in regulatory requirements, such as the 50% individual home loan norm, could constrain business mix or increase compliance costs.