Geographic expansion may pressure asset quality
Rapid entry into new states (Tamil Nadu, Telangana) could lead to higher delinquencies if underwriting standards are not maintained.
SRGHOUSINGFINANCE / Q4-FY26 / risks
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SRG Housing Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Rising ticket sizes and LTV may increase risk
Average ticket size rose 41% YoY and LTV increased from 46.6% to 50.7%, potentially exposing the book to higher losses in a downturn.
High concentration in Rajasthan and Gujarat
77% of AUM is concentrated in Rajasthan and Gujarat, making the portfolio vulnerable to regional economic shocks.
Macroeconomic uncertainty from West Asia crisis
Ongoing geopolitical tensions could indirectly impact self-employed borrowers, though management downplays the risk.