Rate hike cycle impact on spreads
If interest rates rise, the 15% of the book still on annual reset will lag in repricing, potentially compressing spreads.
CANFINHOMES / bear-case history
Track the concerns that keep returning.
Can Fin Homes · risk themes across the available quarters.
Research layer active
Bear-case history
Risks carried through the record.
medium
Higher-than-expected prepayments
Prepayments and balance transfers (BT out) were elevated in FY26; if they exceed the assumed ₹7,000 crore, AUM growth could be lower.
IT implementation cost overrun or delay
The ₹300 crore IT transformation project may see cost overruns or delays, impacting cost-to-income ratio and ROE.
Geopolitical tensions affecting delinquencies
West Asia crisis could impact borrower sentiment and lead to higher delinquencies, though no impact seen yet.