Elevated balance transfer attrition
BT out reached ~20% of portfolio, driven by aggressive rate cuts by PSU banks. Management expects normalization as rate cycle stabilizes, but near-term pressure persists.
BAJAJHFL / Q3-FY26 / risks
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Bajaj Housing Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Tier 1 capital decline due to regulatory change
Tier 1 capital dropped sharply due to conservative provisioning for undisbursed tranches of under-construction loans after RBI consolidated guidelines. Clarity awaited.
Competitive intensity in prime and super-prime segments
Pricing competition from banks remains intense, especially in prime/super-prime, pressuring spreads. Management views this as a permanent feature, not transient.
Sambhav loan credit risk as portfolio seasons
The affordable/near-prime book is still young (18 months); early indicators are positive, but delinquencies may emerge as the portfolio matures beyond 24 months.