Elevated prepayments due to annual-reset lag
Higher-than-expected prepayments (₹1,691 crore in Q3) are driven by customers on annual reset who have not yet received rate cuts, pressuring AUM growth.
CANFINHOME / Q3-FY26 / risks
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Can Fin Homes · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
IT transformation implementation delays
The LOS/LMS module may be delayed to Q1 FY27, causing a potential 250-300 crore disbursement impact in the implementation quarter.
Spread compression from aggressive rate pass-through
Passing on 50 bps of rate cuts to customers while liability repricing lags could compress spreads below the guided 2.75% floor.
Underperformance vs. industry growth
AUM growth of ~10% lags the industry average of 13-14%, partly due to elevated prepayments and slower recovery in Telangana.