Credit cost may remain elevated if PAR accretion does not sustain
If monthly PAR 15 accretion does not sustain at 20-25 bps, credit costs could remain at the higher end of guidance or exceed it.
CREDITACC / Q3-FY26 / risks
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Risk intelligence
Material risks this quarter
high
Bank funding lines may tighten for NBFCs
Analyst raised concern about banks reducing or increasing cost of funding for NBFCs. Management downplayed, citing diversified funding and low bank dependency.
Asset quality recovery in non-core states may lag
While Karnataka recovered sharply, states like UP, Bihar, and MP still have PAR levels 25-30 bps vs pre-crisis 4-5 bps, posing risk if normalization stalls.