SMA-0 elevation due to holiday demand raising
Procedural change in raising demand on holidays increased SMA-0 pool; management says recoverable but may persist in Q2 due to festivals.
BANDHANBNK / Q1-FY26 / risks
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Bandhan Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
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NIM compression from secured mix shift and rate cuts
Growing secured loan share (lower yield) and repo rate cuts pressure NIM; management expects stabilization only in H2.
Competitive aggression in individual microfinance loans
Analyst raised concern about aggressive lending by some players; management acknowledged risk but believes industry discipline will hold.
Vintage NPA trends in EV portfolio
Analyst noted 4%+ NPA in recent vintages; management attributed to industry stress and expects improvement as new guardrails stabilize.