Spread compression from elevated money market rates
If money market rates remain elevated without a policy rate hike, the company's ability to pass on costs is limited, leading to further spread compression.
BAJAJHFL / Q4-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
Sustained high BT-out rates from competitive bank pricing
BT-out rates remained elevated in Q4 despite expectations of stabilization, driven by aggressive pricing from public and private sector banks.
Regulatory risk from declining home loan share
The home loan share of total assets has been contracting, though still above the regulatory minimum of 50%. Further decline could attract regulatory scrutiny.
Macro uncertainty impacting growth and asset quality
Global geopolitical and macro factors could affect policy rates and economic growth, potentially impacting loan growth and credit costs.