Aggressive competition from banks
PSU banks have become more aggressive post repo rate cuts, and private banks were aggressive in March, potentially pressuring yields and market share.
BAJAJHFL / Q4-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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Material risks this quarter
medium
NIM compression from rate cuts
Management acknowledged 10-15 bps NIM compression in FY26 due to repo rate cuts, with yield pass-through (45-50 bps) exceeding cost pass-through (34-35 bps).
Impact of exit penalty removal on LAP
RBI's proposed removal of exit penalties on floating rate loans could increase balance transfers in the LAP segment, though management expects limited material impact.
ALM mismatch risk
With long-tenor home loans (behavioral maturity 6-8 years) funded by shorter-term liabilities (average 3-5 years), ALM risk requires active management.