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 / Q4-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
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.