Home loan pricing competition
Aggressive rate cuts by competitors post-RBI rate reduction pressured home loan yields; management chose not to participate, risking market share.
HDFCBANK / Q2-FY26 / risks
Keep the risk register visible.
HDFC Bank · Material risks, their source context, and severity in the latest available quarter.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Risk intelligence
Material risks this quarter
medium
Slower deposit repricing vs peers
Cost of funds declined only 18-19bps in Q2, less than some peers, due to longer duration of term deposits; full benefit may take 4-5 quarters.
Unsecured credit risk
Management remains cautious on personal loans and credit card revolvers, with revolver rates declining; any economic slowdown could increase delinquencies.
ECL provisioning impact
Draft ECL guidelines may require higher provisions despite bank's strong models, potentially offsetting capital benefits from other regulatory changes.