Unsecured personal loan stress
Personal loans (35% of portfolio) are unsecured and long-tenured; any economic downturn could increase delinquencies.
DARCREDITCAPITAL / Q4-FY26 / risks
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Dar Credit & · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Geographic concentration risk
Operations limited to 6 states; no plans to enter new states, exposing the company to regional economic shocks.
Cost of funds pressure
Current cost of funds at ~14%; management expects upward bias, which could compress margins if not managed.
Slow branch expansion execution
Adding only 5-7 branches in FY27 may limit growth if demand outstrips capacity.