Stage 2 and 30+ DPD spike
Stage 2 and 30+ days past due ratios increased materially in Q2, indicating potential stress in the portfolio that could lead to higher NPAs.
INDIASHLTR / Q2-FY26 / risks
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India Shelter Finance Corporation · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Industry-wide stress from unsecured lending
Analysts highlighted spillover from stress in microfinance and unsecured loans into affordable housing, which could impact collections.
Seasonal collection headwinds
Management acknowledged that September was a weak month for collections due to seasonality, which could persist into H2.