Elevated credit costs from legacy portfolio
Current credit cost is higher than the 2% target due to legacy stress; if the older book does not roll off as expected, profitability may remain under pressure.
INDOSTAR / Q3-FY26 / risks
Keep the risk register visible.
IndoStar Capital Finance · 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
high
Execution risk in microloan scaling
Rapid expansion of microloan business into new states could strain underwriting quality if not managed carefully, despite early strong performance.
Competitive pressure on yields
As the company expands into prime segments and faces competition, vehicle finance yields may decline, pressuring NIMs if funding costs do not fall further.