Execution risk in diversification
Transitioning from a single-client model to multiple clients may face operational challenges and credit appraisal issues.
IRFC / Q4-FY25 / risks
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Indian Railway 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
Competition from banks and NBFCs
IRFC's low-cost advantage may erode if competitors match pricing or if IRFC's cost of funds rises.
AUM run-down may offset new disbursements
Annual repayments of ~INR 10,000 crore could limit AUM growth if new disbursements are not sufficient.