Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q1 FY2027 Earnings Presentation
61 slides from Can Fin Homes's earnings presentation, Jul 20, 2026
Slide 1: Submission of Investor Presentation - Post Q1 FY27 Results
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 125/2026 July 20, 2026
Slide 2: Q1 FY27 Investor Presentation
iy en ~ Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS + DEPOSITS Mm 4 LT par acote . % Translating. Dreams into Reality — DELIVERING DREAMS. : aa b1 FY27 DRIVING GROWTH. - nd . Investor Presentation
Slide 3: About Us
Can Fin Homes Limited About Us Legacy Focus • 38 year old institution registered as a • To promote home ownership across India, deposit taking HFC with NHB with a motto of friendship finance and • Promoted by Canara Bank in the year 1987 good service (shareholding of 30% approx.) • To focus on Housi
Slide 4: Journey So Far
Can Fin Homes Limited Journey So Far • Best Digital Transformation Initiative in the Housing Finance segment AUM crossed AUM crossed accolade by Quantic India. ` 40,000 Cr. `20,000 Cr in • PAT Crossed ` 1000 Crores in Dec. 2025 December 2019. • 250th Branch at Thane, Maharashtra 2026 2025 2019 Right
Slide 5: Journey So Far
Can Fin Homes Limited Journey So Far Reinforce Rebuild Reach Higher • Company will continue its • Company intends to evolve • Expansion of sourcing channels thrust on growth, asset quality, further with the help of to attract different segments of profitability and liquidity technology, duly keeping
Slide 6: Our Strengths
Can Fin Homes Limited Our Strengths • Consistent management support and guidance from the sponsor - Canara Bank • Expertise gained over 38 years in housing finance • Eminent personalities with rich experience on the Board • Quick, hassle-free and customer-friendly lending process • Transparent and t
Slide 7: Credit Rating
Can Fin Homes Limited Credit Rating Position as on 30/06/2026 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 AAA/Stable Pu
Slide 8: Board of Directors
Can Fin Homes Limited Board of Directors Shri Hardeep Singh Shri Suresh S Iyer Smt Ahluwalia Managing Director & Shubhalakshmi Non-Executive Director Aamod Panse CEO (Promoter) Director (Independent) Shri Ajai Kumar Shri Arvind Shri Murali Director (Independent) Narayan Ramaswami Yennemadi Director
Slide 9: Experienced Management Team
Can Fin Homes Limited Experienced Management Team Shri Prakash Shri A Uthaya Shri Nilesh Jain Shanbhogue Kumar Company Secretary President - Business President - Assurance and and Head - Board Total Exp: 33 Years Chief Risk Officer (CRO) Secretariat Service in Can Fin - Total Exp: 32 Years Total Exp
Slide 10: Business Overview
Can Fin Homes Limited Business Overview 9
Slide 11: Consistent Business Performance - PAT
Can Fin Homes Limited Consistent Business Performance ` in Crore PAT 1,200 1,000 800 600 400 200 1,086 297 374 456 470 621 750 857 235 287 157 0 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 10
Slide 12: Consistent Business Performance - GNPA
Can Fin Homes Limited Consistent Business Performance ` in Crore GNPA 1.0 0.8 0.6 0.4 0.2 0.85% 0.62% 0.76% 0.91% 0.64% 0.55% 0.82% 0.87% 0.21% 0.43% 0.19% 0.0 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 11
Slide 13: Consistent Business Performance - Spread
Can Fin Homes Limited Consistent Business Performance SPREAD (%) 3.0 2.5 2.0 1.5 1.0 0.5 2.86% 2.16% 2.45% 2.78% 2.55% 2.31% 2.67% 2.55% 2.49% 2.61% 2.63% 0.0 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 12
Slide 14: Consistent Business Performance - AUM
Can Fin Homes Limited Consistent Business Performance ` in Crore 45,000 AUM 40,000 35,000 30,000 25,000 20,000 15,000 10,000 10,643 13,313 15,743 42,209 18,381 20,706 22,105 26,711 31,563 34,999 38,217 5,000 0 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 13
Slide 15: Roadmap - 2028
Can Fin Homes Limited Roadmap - 2028 Geographical Concentration Segment Mix (AUM) (Incremental Disbursement) Mar-26 June-26 Mar-28 (Proj) Mar-26 June-26 Mar-28 (Proj) 35% 40% 32% 32% 35% 41% 65% 60% 59% 68% 68% 65% Rest of India South SENP Salaried Product Mix (AUM) Sourcing Mix (Incremental Disburs
Slide 16: Digital Acceleration & Strategy
Can Fin Homes Limited Digital Acceleration & Strategy 15
Slide 17: Responsible Lending Practices
Can Fin Homes Limited Responsible Lending Practices On Boarding Outsourcing Lead Generation Due Diligence Legal verification Valuation Through Website, • CKYC UIDAI linked verification Through empanelled • Through professional Customer Referral, • Bank account verification through Advocate, Cross Va
Slide 18: Responsible Lending Practices
Can Fin Homes Limited Responsible Lending Practices Documentation Storage of Loan Dockets Repayment Pre-filled System Centralised Document Storage. Collection Generated • Vetting of security documents • Through E -NACH, Salary documents ready with alternate empanelled deduction. for execution advoca
Slide 19: Digital Framework
Can Fin Homes Limited Digital Framework Driving Growth through Intelligent, Secure & Customer-Centric Digital Capabilities Aadhaar Data Document Business Risk Mgmt / ALM CB & I Vault Management Sys. Deposits Applications Finance & Lift and Shift All Modules Live Accounting (CKYC, ADF,
Slide 20: IT Transformation Status
Can Fin Homes Limited IT Transformation Status Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) Human Resource Management System (HRMS
Slide 21: Business Highlights
Can Fin Homes Limited Business Highlights 20
Slide 22: Performance Highlights - Q1 FY27
Can Fin Homes Limited Performance Highlights - Q1 FY27 Loan Book Net Interest Income PBT (` in crore) (` in crore) 500 (` in crore) 50,000 600 400 40,000 450 30,000 300 300 20,000 200 150 10,000 100 42,961 35,559 38,773 320 363 255 278 427 339 0 0 0 Q1 FY 25 Q1 FY 26 Q1 FY 27 Q1 FY 25 Q1 FY 26 Q1 FY
Slide 23: Performance Highlights - Q1 FY27
Can Fin Homes Limited Performance Highlights - Q1 FY27 25 RoE 35 EPS Cost to Income (`) 25 Ratio 30 20 20 25 15 15 20 15 10 10 10 5 5 14.87% 18.33% 19.52% 17.57% 16.93% 17.15% 5 14.99 16.81 20.11 0 0 0 FY 2025 FY 2026 Q1 FY 2027 Q1 FY 25 Q1 FY 26 Q1 FY 27 Q1 FY 25 Q1 FY 26 Q1 FY 27 DER GNPA Net NPA
Slide 24: Growth Catalysts
Can Fin Homes Limited Growth Catalysts FY 2025 FY 2026 Q1 FY 2027 130 179 826 299 883 276 8308 8822 2034 Business from Old Branches New Branches Sales Team (` In Crore) Sourcing Channel FY25 FY26 Q1FY27 Business from Old Branches 8308 8822 2034 Sales Team 130 883 276 New Branches 179 826 299 Total 8
Slide 25: Performance Highlights - Q1FY27
Can Fin Homes Limited Performance Highlights - Q1FY27 ` in Crore Period Ended SI. Particulars No. Jun'26 (3m) Jun'25 (3m) Mar'26 (3m) 1 New Approvals 2795 2059 3523 2 Disbursements 2609 2015 3246 3 Outstanding Loan Book 42961 38773 42209 4 Net Interest Income 427 363 422 5 Operating Profit 352 304 3
Slide 26: Key Financial Ratios - Q1FY27
Can Fin Homes Limited Key Financial Ratios - Q1FY27 Period Ended SI. Particulars No. Jun'26 (3m) Jun'25 (3m) Mar'26 (3m) 1 Return on Avg. Assets (%) 2.39% 2.19% 3.29% 2 Return on Avg. Equity (%) 17.15% 16.93% 23.12% 3 Earnings Per Share (`) 20.12 16.81 25.96 4 Net Interest Margin (%) 3.81% 3.64% 4.1
Slide 27: Performance Highlights - Q1FY27
Can Fin Homes Limited Performance Highlights - Q1FY27 ` in Crore SI. Year on Year (As per IND AS) Particulars No. Growth (%) Jun’26 (3m) Jun'25 (3m) 1 New Approvals 2795 2059 36% 2 Disbursements 2609 2015 29% 3 Outstanding Loan Book 42961 38773 11% 4 Net Interest Income 427 363 18% 5 Operating Profi
Slide 28: Portfolio Composition & Mix
Can Fin Homes Limited Portfolio Composition & Mix 27
Slide 29: Segment wise AUM Product wise AUM
Can Fin Homes Limited Segment wise AUM Product wise AUM AUM Q1FY 26 AUM Q1FY 26 1% 2% 7% 5% 14% 11% 30% 75% 1% 54% Sal - Govt. Housing Sal - PSU/Banks Housing CRE AUM Q1FY 27 Sal - Private LAP and Mort AUM Q1FY 27 1% SENP Top-up 2% Prof Others 14% 8% 7% 12% 32% 52% 71% 1% 28
Slide 30: Ticket Size wise AUM Purpose wise AUM
Can Fin Homes Limited Purpose wise AUM Ticket Size wise AUM AUM Q1FY 26 AUM Q1FY 26 1% 2% 9% 16% 4% 6% 7% 14% 42% 62% 37% Construction <20 Lakhs Flat 20-35 Lakhs AUM Q1FY 27 Resale AUM Q1FY 27 35-50 Lakhs Renovation 1% 50-100 Lakhs 3% Mort + LAP + Top-up >100 Lakhs 10% 8% 18% Others 4% 6% 15% 39% 58
Slide 31: Loan Amount Wise Disbursement and AUM
Can Fin Homes Limited Loan Amount Wise Disbursement and AUM Disbursement AUM 48% Q1 FY26 Jun 25 Q1 FY27 Jun 26 41% 34% 30% 30% 28% 28% 27% 27% 26% 21% 19% 11% 12% 11% 7% 0-10L 10-20L 20-30L >30L 0-10L 10-20L 20-30L >30L 30
Slide 32: The Sourcing Funnel
Can Fin Homes Limited The Sourcing Funnel 31
Slide 33: Sourcing Mix
Can Fin Homes Limited Sourcing Mix FY24 FY25 FY26 Q1FY27 Active DSAs 1184 1245 1695 1775 Total Disbursement (Crores) 8117 8568 3246 2609 Total DSA Sourced Amount (Crores) 6669 6832 2618 2085 % Share of Total Business 82% 80% 81% 80% Share of Top-20 DSAs Amount (Crores) 844 878 246 196 % Share of Tot
Slide 34: Zone wise Contribution - Q1FY26
Can Fin Homes Limited Zone wise Contribution - Q1FY 26 Zone wise Branches Zone wise Disbursement Zone wise AUM (`2015 Cr.) 8% (19) 0%21% 11% 0% 17% 22% 19% 0% 17% (50) 0% (40) 17% 14% 0% 0% 13% 22% 0% 14% 19% (51) 9% (44) 27% 9% 28% 0% 13% 0% 0% 0% (30) North West East Karnataka North West East Karn
Slide 35: Zone wise Contribution - Q1FY27
Can Fin Homes Limited Zone wise Contribution - Q1FY 27 Zone wise Branches Zone wise Disbursement Zone wise AUM (`2608 Cr.) 8% (19) 0%20% 11% 0% 0% 18% 0% (50) 0% 20% 0%17% 19% (47) 17% 0% 0% 14% 15% 0% 23% 16% 18% (57) 25% 27% 9% (44) 0% 13% 0% 0% 10% 0% (33) North West East Karnataka North West Eas
Slide 36: Lending Basket
Can Fin Homes Limited Lending Basket Category-Wise Product-Wise Distribution of Loan Book * ` in Crore Sl. No. Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 1 Salaried & Professionals i) Housing Loans 24078 24255 24379 24909 24241 ii) Repairs & Renovation 541 548 670 695 819 iii) Mortgage Loans 114
Slide 37: Funding Basket
Can Fin Homes Limited Funding Basket Funding Mix @ June 2025 (as %) Funding Mix @ June 2026 (as %) 1% 1% Structure wise breakup 7% of borrowings (` In Crore) 8% Particulars Q1 FY27 14% 22% NCD 5,515 53% CP 2,971 15% Deposit 227 62% 17% NHB 5,945 Bank borrowings Repo linked 14,474 Total Borrowings: `
Slide 38: Financial Strength
Can Fin Homes Limited Financial Strength 37
Slide 39: Yield, Cost, NIM and Spread
Can Fin Homes Limited Yield, Cost, NIM and Spread (As at the end of each quarter) 10.09% 10.09% 10.08% 10.06% 9.81% 7.47% 7.29% 7.26% 7.20% 6.98% 3.93% 3.83% 3.89% 3.81% 3.64% 2.86% 2.83% 2.79% 2.82% 2.62% Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27 Yield Cost NIM Spread 38
Slide 40: Share of Annual Reset Loans to AUM
Can Fin Homes Limited Share of Annual Reset Loans to AUM Particulars (for the quarter) Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Yield 10.09% 10.08% 10.07% 9.99% 9.81% Cost of Funds 7.47% 7.17% 7.14% 7.07% 6.98% Spread 2.62% 2.91% 2.93% 2.92% 2.83% Benchmark Rate 9.50% 9.35% 9.25% 9.10% 9.10% Annual Reset
Slide 41: Movement of Delinquency Pool
Can Fin Homes Limited Movement of Delinquency Pool * ` in Crore Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Total Delinquency 3979 3802 3618 3375 3442 Outstanding 38773 39657 40693 42209 42961 % 10.26% 9.58% 8.89% 7.99% 8.01% 10.26% 9.58% 8.89% 7.99% 8.01% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 40
Slide 42: NPA and Provision
Can Fin Homes Limited NPA and Provision Gross NPA & Net NPA Provision held (%) ` in Crore 0.98 59 59 0.94 0.92 0.85 0.87 59 59 59 210 205 0.54 171 182 184 0.48 0.49 0.42 0.37 Q1 FY 25- 26 Q2 FY 25- 26 Q3 FY 25- 26 Q4 FY 25- 26 Q1 FY 26- 27 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27
Slide 43: Total Provisions Held
Can Fin Homes Limited Total Provisions Held * ` in Crore Balance as on Provision as per Provision as per Asset Classification ECL Stages 30 June 2026 IRAC ECL Model Standard Asset 1 39519 SMA 0 1 1209 187 209 SMA 1 2 1033 SMA 2 2 824 NPA 3 376 179 205 Total Portfolio 42961 366 414 Undisbursed Loan C
Slide 44: PCR with Management Overlay
Can Fin Homes Limited PCR with Management Overlay ` in Crore Particulars Q1 FY26 As % of GNPA Q1 FY27 As % of GNPA Gross NPA 378 375 A. ECL Provision (Stage 3) 171 45% 205 55% B. Management Overlay 59 59 Total Provision available (A+B) 230 61% 264 70% C. Prov for Restructured Pool 49 40 Total Provis
Slide 45: Run Down Ratios
Can Fin Homes Limited Run Down Ratios * ` in Crore Opening Amortization + Closing Balance Quarter Disbursement (B) Run Down E= C/A Balance (A) Pre-payment (C) (D=A+B-C) 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 10
Slide 46: Shareholding Pattern
Can Fin Homes Limited Shareholding Pattern As on 30.06.2026 10.54% Shareholding Category as % 10.03% 29.99% Promoter 29.99 Mutual Funds 16.54 13.23% Individual 19.67 19.67% 16.54% Foreign Corporate 13.23 Bodies Bodies Corporate 10.03 Others 10.54 Grand Total 100.00 Promoter Foreign Corporate Bodies
Slide 47: Environmental, Social and Governance (ESG)
Can Fin Homes Limited • The Company has phased out all old two-wheelers with higher emission Environmental, Social and levels through disposal or selling initiatives contributing to the reduction of its environmental footprint. Governance (ESG) • The Company has strengthened its waste management pra
Slide 48: ESG - Social and Governance
Can Fin Homes Limited • The Company remains committed to employee well-being and Governance engagement by providing comprehensive benefits, including life • The Company undertook IT transformation and digitalization insurance, parental insurance, medical insurance, accident insurance, initiatives ai
Slide 49: ESG Rating
Can Fin Homes Limited ESG Rating ERP Name ESG Rating ESG Risk Assessments & Insights Limited 60 CRISIL ESG Ratings & Analytics Limited Crisil ESG 63 SES ESG Research Private Limited 78.7 CFC Finlease Private Limited 80 NSE Sustainability Ratings and Analytics 73+ 48
Slide 50: Sustainability Initiatives under CSR
Can Fin Homes Limited Sustainability Initiatives under CSR Can Fin Homes Powers Government Schools with Bigas and Organic Composting Organic Waste Composting and Biogas Systems have been installed at three residential schools in Doddaballapur, Bengaluru: Morarji Desai Residential School, Kitturu Ran
Slide 51: Sustainability Initiatives under CSR
Can Fin Homes Limited Sustainability Initiatives under CSR Play = Progress! Can Fin Homes has sponsored a play arena at the Spastic Society of Karnataka (SSK) in Bengaluru. This space is dedicated to helping children with developmental disabilities, enhance their physical skills and social connectio
Slide 52: Our Network
Can Fin Homes Limited Our Network 51
Slide 53: States / UT branch offices
Can Fin Homes Limited 21 States / UT 250 branch offices The political map is not to scale 52
Slide 54: Branch Network
Can Fin Homes Limited Branch Network ANDHRA PRADESH KARNATAKA MADHYA PRADESH TAMIL NADU Amalapuram, Anantapur, Ballari, Belgaum, Bengaluru Bhopal, Gwalior, Batlagundu, CBE - P N Palyam, Bhimavaram, Bobbili, Chittoor, (31 branches), Davanagere, Indore Airport Road, Chennai (9 branches), Eluru, Gollap
Slide 55: Meet PAARTH
Can Fin Homes Limited Meet PAARTH The embodiment of true Canfinite spirit. Sharp on Compliance. Driven by Service. Laser-Focused on Growth. 54
Slide 56: Paarth in action - Guiding our communication
Can Fin Homes Limited Paarth in action - Guiding our communication 55
Slide 57: Notes
Can Fin Homes Limited Notes 56
Slide 58: Notes
Can Fin Homes Limited Notes 57
Slide 59: Notes
Can Fin Homes Limited Notes 58
Slide 60: Forward looking statements disclaimer
Can Fin Homes Limited The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors in- cluding the future changes or developments, the competitive environment, ability to implement the stra
Slide 61: Can Fin Homes Ltd
Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS + DEPOSITS Translating Dreams inlo Reality