Rising consumer leverage in personal loans
Management flagged increasing leverage in the system, especially in personal loans, and is taking preemptive actions to tighten underwriting.
BAJFINANCE / Q1-FY24 / risks
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Bajaj Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Rural B2C portfolio stress
Rural B2C portfolio flagged as yellow due to elevated risk; business has been cut by INR 200-250 crore per month.
NIM compression from rising cost of funds
Cost of funds rose 82 bps over three quarters, with NIM compression expected to continue for two more quarters.
Potential impact of economic slowdown on asset quality
Analyst raised concern about unsecured loan growth; management acknowledged but expressed confidence in underwriting.