Co-lending guideline impact
New RBI co-lending guidelines effective Jan 2026 may cause temporary slowdown in co-lending volumes for a couple of quarters as existing contracts expire and technology integration is completed.
CAPRIGLOBALCAPITAL / Q4-FY26 / risks
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Capri Global Capital · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Gold price volatility
Sharp decline in gold prices could increase LTVs and require margin calls or auctions, though management believes a 10-15% crash in a single day is unlikely.
Interest rate hike risk
Potential rate hikes post-election could limit further reduction in cost of funds, impacting NIM expansion.
Capital adequacy pressure
Capital adequacy declined due to subsidiary investment; management plans to use DA/co-lending and raise Tier-2 capital to maintain buffers.