Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q1 FY2026 Earnings Presentation
38 slides from Can Fin Homes's earnings presentation, Jul 19, 2025
Slide 1: Cover letter to stock exchanges
CAN FIN HOMES LIMITED Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Near Lalbagh West Gate, Basavanagudi Bengaluru – 560 004 Tel: 080-48536192; Fax: 26565746 e-mail: [email protected] Web: www.canfinhomes.com CIN – L85110KA1987PLC008699 CFHRO SE CS LODR 205/2025 July 19, 2025
Slide 2: Investor Presentation Q1FY26
Investor Presentation Q1FY26 Reinforce. Rebuild. Reach Higher. 38 years of vision, passion and progress July 2025 Offering home loans since 1987….. and it is just a beginning
Slide 3: Legacy Focus Reach
Legacy Focus Reach • 38 year old • To promote home • Headquartered institution registered ownership across in Bengaluru as a deposit taking India, with a motto HFC with NHB of friendship • Pan-India presence finance and good with 216 branches, • Promoted by Canara service 18 Affordable Bank in the y
Slide 4: Milestones since 1987
ET Edge 2015 Promising 2021 Brand Award to Can Fin Homes Ltd. 1989 11 more branches Rights issue of CFHL are added, including – mCap over New Delhi 1991 Loan book crossed Rs. 1000 Cr Rs. 100 Cr Successful completion of 35 Years Loan book over 2016 100th branch at Begur, Rs. 10000 Cr 2022 1987 First
Slide 5: Company will continue its thrust on growth, asset quality, profitability and liquidity
• Company will continue its thrust on growth, asset quality, • Company intends to evolve further • Expansion of sourcing channels to profitability and liquidity. with the help of technology, duly attract different segments of • Unwavering focus on good keeping abreast with the changes in borrowers,
Slide 6: Consistent management support and guidance from the sponsor - Canara Bank
II • Consistent management support and guidance from the sponsor - Canara Bank. • Expertise gained over 38 years in housing 1989 finance. • Eminent personalities with rich experience on the Board • Quick, hassle free and customer friendly lending process. • Transparent and timely updation to stakeho
Slide 7: Credit ratings of borrowings
Position as on 30/06/2025 Borrowings CARE ICRA IND Ra Term Loans (Long Term Loan) AAA/Stable AAA/Stable Term Loans (Short Term Loan) A1+ NHB Borrowings AAA/Stable Commercial Papers (CPs) A1+ A1+ Non-Convertible Debentures (NCDs) AAA/Stable AAA/Stable AA+/Stable Public Deposits AAA/Stable www.canfinh
Slide 8: Board of Directors
Chairman (Promoter) Managing Director & CEO Director (Independent) Director (Independent) Director (Independent) Director (Independent) Deputy Managing Director Director (Independent (w.e.f 29/04/2024) www.canfinhomes.com 7
Slide 9: Senior management
President Company Secretary CFO Total Exp: 32 Years Total Exp: 22 Years Total Exp: 20 Years Service in Can Fin – 32 Years Service in Can Fin – 2 Year Service in Can Fin – 1 month Chief Risk Officer Chief Compliance Officer Chief Information Officer Total Exp: 31 Years Total Exp: 35 Years Total Exp:
Slide 10: Consistency in Performance over the years
PAT GNPA 900 857 1.00% 0.91% 750 0.87% 800 0.90% 0.82% 0.80% 0.76% 700 621 600 0.70% 0.62% 0.64% 456 470 0.60% 0.55% 500 374 0.50% 0.43% 400 287 297 0.40% 300 235 157 0.30% 0.21% 200 86 0.17% 0.19% 0.20% 100 0.10% 0 0.00% FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY15 FY16 FY17 FY18 FY1
Slide 11: Loan process: lead generation to due diligence and disbursement
Lead Generation Through Website, Customer Referral, Direct marketing and DSA channel. Due Diligence CKYC-UIDAI linked verification; Bank account verification through PERFIOS; Field verification of residence, employment, property in each proposal; Online PAN verification; Online ITR verification; Onl
Slide 12: Documentation, collection and monitoring
Documentation Pre-filled System Generated documents - ready for Execution. Storage of Loan Centralised Document Storage. Dockets Joint vetting of security documents with empanelled advocates. Through E -NACH, Salary deduction. Collection Option for online Payment. Tie up for cash collection from Bra
Slide 13: Our digital focus areas
Our digital focus areas: Providing Creating a digital Automation and Building robust personalized and financial services digitization of and secure digital seamless services to bouquet in processes to capabilities across our customers across collaboration with make things platforms to the country so
Slide 14: Q1 FY26 highlights
1. Loan Book reached Rs. 38773 Cr (+9 % 7. Gross NPA 0.98% & Net NPA 0.54%. (additional YoY) with a clientele base of 2.83 lakh. management overlay available) 2. NII:Rs. 363 Cr, PBT: Rs. 278 Cr and 8. The Salaried and Professional PAT: Rs. 223 Cr. segment constitutes 70 % of the 3. NIM: 3.64 %, RoAA
Slide 15: Year on Year and Sequential
* Amt in Crore Sl. Year on Year and Sequential Particulars No. Jun’25 (3m) Jun’24 (3m) Mar’25 (3m) 1 New Approvals 2059 1969 2650 2 Disbursements 2015 1853 2455 3 Outstanding Loan Book 38773 35559 38217 4 Net Interest Income 363 320 349 5 Operating Profit 304 280 295 6 ECL Provision 26 24 (10) 7 Pro
Slide 16: Period ended ratios
* Amt in Crore Sl. PERIOD ENDED Particulars No. Jun’25(3m) Jun’24(3m) Mar’25(3m) 1 Return on Avg Assets (%) 2.19% 2.17% 2.59% 2 Return on Avg Equity (%) 16.93% 17.57% 18.47% 3 Earning Per Share (Rs.) 16.81 14.99 15.70 4 Net Interest Margin (%) 3.64% 3.57% 3.82% 5 Yield on Loan Portfolio (%) 10.09% 1
Slide 17: Year on Year (As per IND AS)
* Amt in Crore Sl. Year on Year (As per IND AS) Particulars No. Jun’25 (3m) Jun’24 (3m) Growth% 1 New Approvals 2059 1969 5% 2 Disbursements 2015 1853 9% 3 Outstanding Loan Book 38773 35559 9% 4 Net Interest Income 363 320 13% 5 Operating Profit 304 280 9% 6 ECL Provision 26 24 8% 7 Profit Before Ta
Slide 18: AUM by borrower category
AUM Q1FY 25 AUM Q1 FY 26 1% 1% 14% 14% 27% 30% 3% 1% 55% 54% Sal - Govt Sal - Private Sal - PSU/Banks SENP Prof Sal - Govt Sal - Private Sal - PSU/Banks SENP Prof www.canfinhomes.com 17
Slide 19: AUM by loan type
AUM Q1FY25 AUM Q1FY26 2% 5% 2% 5% 5% 7% 10% 11% 78% 75% Housing Housing CRE Lap and Mort Top UP Others Housing Housing CRE Lap and Mort Top UP Others www.canfinhomes.com 18
Slide 20: AUM by purpose of housing loan
AUM Q1FY25 AUM Q1FY26 14% 16% 7% 9% 2% 4% 2% 4% 8% 64% 62% 7% Construction Flat Resale Rennov Mort+LAP+Top UP Others Construction Flat Resale Rennov Mort+LAP+Top UP Others *Others include Site loan, Loan against rent receivables, Loans for commercial property, Loans for children education, Personal
Slide 21: Disbursement and AUM by ticket size
Disbursement (3 Months) AUM 41% 32% 30% 30% 37% 28% 28% 27% 29% 27% 22% 21% 13% 12% 12% 11% 0 - 10L 10 - 20L 20 - 30L >30L 0 - 10L 10 - 20L 20 - 30L >30L Q1FY25 Q1FY26 Jun-24 Jun-25 www.canfinhomes.com 20
Slide 22: Growth trend by quarter
18% 14% 9% 6% 0% Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 -11% -9% -6% -22% Gr% www.canfinhomes.com 21
Slide 23: DSA sourcing diversification
Amt in Crore FY23 FY24 FY25 Q1FY25 Active DSA's 1463 1184 1245 1250 Total Disbursement 8947 8117 8568 2015 (Crores) Total DSA Sourced Amount(Crores) 7302 6669 6832 1599 % share of total 82% 82% 80% 79% business Share of Top 20 DSA's Amount(Crores) 1011 844 878 171 % share of total 11% 10% 10% 8% bus
Slide 24: Share of business sourced through DSA channel
87% 86% 85% 82% 80% 80% 80% 80% 80% 80% 79% 78% 76% Q1 FY 23 Q2 FY 23 Q3 FY 23 Q4 FY 23 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 *72% of AUM sourced through DSA channel www.canfinhomes.com 23
Slide 25: Regional distribution of branches and loan portfolio
Branches Loan Portfolio 72% 72% 60% 56% 18% 16% 17% 14% 13% 13% 11% 11% 4% 5% 5% 4% 2% 2% 1% 1% Central East North South West Central East North South West Q1FY25 Q1FY26 Q1FY 25 Q1FY 26 www.canfinhomes.com 24
Slide 26: Loan book movement and run down
* Amt in Crore Opening Disbursement Amortization+ Closing Balance Run Balance(A) (B) Prepayment (D=A+B-C) Down (C) E= C/A Q4 FY 22 25091 2730 1110 26711 4.50% Q1 FY 23 26711 1726 899 27538 3.53% Q2 FY 23 27538 2275 990 28823 3.69% Q3 FY 23 28823 2408 1116 30115 4.05% Q4 FY 23 30115 2538 1090 31563 3
Slide 27: Category-wise product-wise distribution of loan book
CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK * Amt in Crore Sl. Jun - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Particulars No. 0/s Amt 0/s Amt 0/s Amt 0/s Amt 0/s Amt 1 Salaried & Professionals i) Housing Loans 23245 23607 23950 24372 24619 ii) Top-up Personal Loans 1092 1121 1155 1204 1232 ii
Slide 28: Funding mix
Funding Mix @ Jun 2024 (as %) Funding Mix @ June 2025 (as %) Deposits Deposits CP 1% CP 7% 1% 7% NCD NCD 20% 22% Banks Banks 56% 53% NHB 16% NHB 17% Total Borrowings – Rs. 32428 Crore Total Borrowings – Rs. 35489 Crore www.canfinhomes.com 27
Slide 29: Yield, cost of borrowing, spread and NIM trends
10.12% 10.14% 10.10% 3.73% 3.75% 3.82% 10.09% 3.57% 3.64% 10.12% 7.58% 7.54% 2.55% 7.56% 2.56% 2.68% 7.47% 2.54% 2.62% 7.56% Q1 FY 23-24 Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q1 FY 24-25 Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 www.canfinhomes.com 28
Slide 30: Asset classification and ECL stages
* Amt in Crore Provision as Balance as on Provision as Asset Classification ECL Stages per ECL 30 Jun 2025 per IRAC Model Standard Asset 1 34794 SMA 0 1 1506 152 206 SMA 1 2 1127 SMA 2 2 968 NPA 3 378 168 171 Total Portfolio 38773 320 377 Undisbursed Loan Commitment 1457 7 Management Overlay 59 Prov
Slide 31: Total delinquency outstanding
* Amt in Crore Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Total Delinqueny 3675.53 4204.1 4886.04 4265.98 3979.09 Outstanding 35559 36591 37155 38217 38773 13.15% 11.49% 11.16% 10.26% 10.34% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 www.canfinhomes.com 30 Gr%
Slide 32: Gross NPA & Net NPA, provision held
Gross NPA & Net NPA (%) Provision held * Amt in Crore 0.98 0.91 0.92 0.88 0.87 59 59 34 34 34 0.54 0.49 0.47 0.50 0.47 171 151 149 154 159 Q1 FY 24-25 Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q1 FY 24- 25 Q2 FY 24- 25 Q3 FY 24- 25 Q4 FY 24- 25 Q1 FY 25- 26 Provision for NPA Management Overlay
Slide 33: Provision coverage of Gross NPA
* Amt in Crore Q1FY25 As % of Q1FY26 As % of GNPA GNPA Gross NPA 325 378 A. ECL Provision (Stage 3) 151.47 47% 171 45% B. Management Overlay 34.28 59 Total Provision available 185.76 57% 230 61% (A+B) C. Prov for Restructured 52.31 49 Pool Total Provision available 238.07 73% 279 74% (A+B+C) D. Prov
Slide 34: Shareholding by category
As on 30.06.2025 SI No. Category shareholding as % 6.4 10.69 29.99 1 Promoter 29.99 12.11 2 Individual 20.44 2 Mutual Funds 20.37 4 Foreign Corporate Bodies 12.11 20.44 20.4 5 Bodies Corporate 10.69 6 Others 6.40 7 Grand Total 100.00 Promoter Mutual Funds Individual Foreign Corporate Bodies Bodies C
Slide 35: Social and Environment initiatives
Social Environment Cyber Security & Data Privacy The Company has undertaken several sustainability initiatives to The Company has established a comprehensive Data Privacy and Cyber Security strengthen its commitment to environmental responsibility. Some of the Policy to protect sensitive information
Slide 36: Ecological restoration and water conservation projects
Ecological Restoration and Water Conservation in Khyarsi Village, Jaunpur Block, Tehri Garhwal District, Uttarakhand Khyarsi Village is situated 41 km west of Tehri's district headquarters, 25 km from the state capital Dehradun, and 40 km from the Haridwar branch. With a total population of 893, the
Slide 37: Branch offices
(234 BRANCH OFFICES) • Odisha – Bhubaneshwar , Berhampur, Jharsuguda, • Punjab – Jalandhar, Ludhiana, Cuttack • Telangana – Hyderabad (13 Mohali, Bathinda branches), Siddipet, Warangal, • Bihar – Patna, Darbhanga Karimnagar, Khammam, • Chandigarh • Tamilnadu – Hosur, Chennai (9 Mancherial, Nizamabad
Slide 38: Forward-looking statements
The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and initiatives,