Elevated delinquencies in sub-₹3 lakh segment
Higher NPAs persist in the sub-₹3 lakh ticket size due to customer over-leverage; recovery may take time.
FIVESTAR / Q2-FY26 / risks
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Five-Star Business Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Karnataka ordinance impact on asset quality
Karnataka portfolio (5-6% of AUM) shows higher stress due to local ordinance; management maintains higher provisions.
Write-offs may increase in H2
Management indicated higher technical write-offs in H2 to clean up books, which could pressure provision coverage.
Competition and yield compression in housing loans
Entry into housing loans may face competition and lower yields (16-18%), compressing overall ROA.