Legacy security receipt portfolio may require further provisions
Despite ₹326 crore additional provision, net carrying value of ₹589 crore remains; realization may be gradual and subject to project delays.
INDOSTAR / Q4-FY26 / risks
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IndoStar Capital Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
West Asia conflict impact on vehicle finance portfolio
Management created a ₹49 crore overlay for potential stress from elevated fuel prices; impact on borrower repayment capacity is uncertain.
Elevated slippages from older book may persist
Analyst noted high slippages from older vintages; management expects improvement as new book reaches 75% by September, but near-term credit costs could remain elevated.
ROE may remain below peers due to conservative leverage
Analyst questioned whether PAT target implies low ROE (~12%); management cited growth focus and investment phase, but ROE may lag peers in near term.