Middle East conflict impact on demand
Management stated no visible impact yet, but the ongoing war in the Middle East could affect customer down payment capabilities and demand.
HOMEFIRSTFINANCEINDIA / Q4-FY26 / risks
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Home First Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Co-lending regulatory issues
Co-lending was low in Q4 due to regulatory guideline changes; management expects resolution by June 2026, but any delay could impact growth.
Competition from larger HFCs targeting affordable segment
Analyst noted that larger HFCs losing prime loans to banks may target Home First's customer segments, though management sees no significant change yet.