Elevated credit costs may persist
Credit costs remain above long-term averages; management is cautiously optimistic but normalization may take longer if macro conditions worsen.
BAJFINANCE / Q2-FY25 / risks
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Bajaj Finance · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
high
Unsecured lending stress from multiple loans
Clients with 3+ live unsecured loans show higher default propensity; supply-side slowdown may not fully mitigate risk.
Loss of Bajaj Auto captive financing business
Bajaj Auto's captive financing unit is taking over two-wheeler/three-wheeler financing, impacting AUM and profitability in the near term.
Regulatory and compliance risks
Management declined to comment on regulatory matters; ongoing investments in compliance may not fully mitigate future actions.