Elevated delinquencies in sub-₹3 lakh segment
Higher NPAs persist in the sub-₹3 lakh ticket size due to customer over-leverage; recovery may take time.
high · management_commentaryFive-Star Business Finance Limited — Q2 FY26
Five-Star Business Finance reported a stable Q2 FY26 with PAT of ₹286 crore, up 7% QoQ, driven by improved collection efficiency (96.7% vs 96.3% in Q1) and stable credit costs a...
neutral
medium
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Karnataka ordinance impact on asset quality
Karnataka portfolio (5-6% of AUM) shows higher stress due to local ordinance; management maintains higher provisions.
medium · analyst_questionWrite-offs may increase in H2
Management indicated higher technical write-offs in H2 to clean up books, which could pressure provision coverage.
medium · analyst_questionCompetition and yield compression in housing loans
Entry into housing loans may face competition and lower yields (16-18%), compressing overall ROA.
low · analyst_question