Source: SEBI
From the prospectus, ordered by severity. Wording is close to the filing — not softened.
Gross Stage 3 Loans
Gross Stage 3 Loans: 0.79% (March 31, 2026), 0.67% (March 31, 2025), 1.13% (March 31, 2024).
Credit Risk · medium
Provision Coverage Ratio
Provision coverage ratio: 27.62% (March 31, 2026), 31.83% (March 31, 2025), 31.30% (March 31, 2024).
Credit Risk · medium
Changes in Loan Composition
Significant shifts in loan composition could adversely affect our business.
Operational Risk · medium
Exposure to Real Estate Sector
Any negative trends affecting the real estate sector could adversely affect our business and result of operations.
Market Risk · medium
Regulatory Proceedings
One of our Promoter has been involved in regulatory proceedings initiated by SEBI which has been settled.
Legal Risk · medium
Outstanding Legal Proceedings
There are outstanding legal proceedings involving our Company, Promoters and Directors.
Legal Risk · medium
Collateral Recovery Issues
Our inability to assess and recover the full value of collateral, or amounts outstanding under defaulted loans in a timely manner, could adversely affect our business.
Credit Risk · medium
Trademark Protection
If we are unable to protect our trademarks and trade names, it may have a material adverse effect on our business prospectus, reputation and goodwill.
Legal Risk · medium