Star Housing Finance Limited · BSE:STARHFL
Star Housing Finance — 9M FY2025-26 Earnings Presentation
15 slides from Star Housing Finance's earnings presentation, Feb 16, 2026
Slide 1: BSE filing cover letter: Investor Presentation
Date: 16th February 2026 ISIN: INE526R01028 SCRIP CODE: 539017 SCRIP ID: STARHFL To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai-400001 Sub: Investor Presentation Dear Sir / Madam, Pursuant to Regulation 30 of SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, p
Slide 2: Star Housing Finance Ltd Corporate Deck
Star Housing Finance Ltd CORPORATE DECK
Slide 3: Star HFL - Company Brief
STAR HFL - COMPANY BRIEF ABOUT US KEY FIGURES ▪ Listed on the BSE (BOM: 539017) ▪ AUM at 569.86 crs with 5500+ live accounts with Avg. Loans Size of Rs. 10 lakhs ▪ Affordable housing finance company ▪ GNPA at 1.84% and NNPA at 1.49% as of Dec 31, 2025 ▪ PBT of Rs. 4.84 crs for 9M FY’2025-26 ▪ Regist
Slide 4: Board of Directors
BOARD OF DIRECTORS Kalpesh Dave Director & CEO A.P Saxena Independent Director €x-GM NHB Ajith Lakshmanan Independent Director Ex-ED LIC of India STAR HOUSING FINANCE Starhai toh bharosa hai P.K Das Independent Director Ex-ED IDBI Bank
Slide 5: Leadership Team
LEADERSHIP TEAM Hemant Shinde Director & CEO Head – Fund Raising Murtaza Vohra Nachiketa P Jigar Makwana Rajan Darji Head - Planning Company Secretary Accounts BIU 4
Slide 6: Becoming a Professionally Run HFC
BECOMING A PROFESSIONALLY RUN HFC COMPANY TRANSITION BUSINESS TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Franchise based Business Model In-house business model Old Name New Name Geographic concentration Multi-state presence Registered & 11 member team 250+ strong team Registered
Slide 7: Becoming a Professionally Run HFC (contd.)
BECOMING A PROFESSIONALLY RUN HFC (contd.) LIABILITY TRANSITION BOARD TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Diversified Borrowing Profile with Borrowings predominantly from focus on PSBs. Private Sector Banks, Financial Institutions FIs and the NHB Professional characteristi
Slide 8: Net Worth Strengthened Consistently
NET WORTH STRENGTHENED CONSISTENTLY 160 Figures in Rs. crs 55.6 ~147 140 120 15.0 100 Cumulative 2.19 2.19 11.2 PAT Fund raise accretion 80 21.6 ESOP I ESOP I Tranche II through Tranche I Warrants Capital Exercised Exercised Raise 60 8.2 4 15.5 Capital 40 Capital Raise 30.52 Raise 3 Capital 2 20 Rai
Slide 9: Key Portfolio Cuts as of Dec 31, 2025
KEY PORTFOLIO CUTS AS OF DEC 31, 2025 Wholesale Retail 0-60 month 61-120 month Up to 25 lakh 25-50 lakhs 1% 121-180 month 181-240 month 5% 3.00% 19.00% Product Tenure Ticket Wise Wise Size 54.00% wise 25.00% 99% 95% Gujarat Madhya Pradesh Up to 16% 16-22% 22-28% Up to 50% 50-60% 61-70% 71-80% >80% M
Slide 10: Company Debt as of Dec 31, 2025
COMPANY DEBT AS OF DEC 31, 2025 Sanction Amt. Rs. 125.00 crs Rs. 134.75 crs* Rs. 10.00 crs Rs. 20.00 crs Rs. 10.00 crs Rs. 60.00 crs Rs. 35.00 crs Outstanding Amt. Rs. 88.44 crs Rs. 74.22 crs Rs. 8.63 crs Rs. 13.76 crs Rs. 8.10 crs Rs. 39.87 crs Rs. 21.94 crs No. of Credit Lines 12 4 1 2 1 3 5 Sanct
Slide 11: Business Historicals
BUSINESS HISTORICALS Disbursements (In Rs. Crs.) 241 AUM (In Rs. Crs.) 207 570 200 149 521 98 427 100 37 400 246 200 104 0 FY'21-22 FY'22-23 FY'23-24 FY'24-25 9M FY'25-26 0 FY'21-22 FY'22-23 FY'23-24 FY'24-25 9M FY'25-26 ▪ FY’22-23 is the first growth year post capacity build up ▪ 22%+ y-o-y growth
Slide 12: Financial Historicals
FINANCIAL HISTORICALS Net Worth (In Rs. Crs.) Borrowings (In Rs. Crs.) 200 143.88 146.66 450 403.81 400.02 133.01 320.30 150 106.42 100 64.10 300 162.50 50 150 78.48 0 0 FY'21-22 FY'22-23 FY'23-24 FY'24-25 9M FY'25-26 FY'21-22 FY'22-23 FY'23-24 FY'24-25 9M FY'25-26 ▪ Sequential increase in net worth
Slide 13: Financial Results: 9M FY2025-26
FINANCIAL RESULTS: 9M FY2025-26 As on FTY ended Particulars Particulars Dec 31, 2025 Dec 31, 2024 31-12-2025 31-12-2024 Revenue from Operations Assets Interest Income 71.59 61.00 Cash & Cash Equivalents 10.23 26.21 Fee & Commission income 1.09 1.77 Bank Balances Other than Cash & Cash 33.12 18.81 eq
Slide 14: Disclaimer
DISCLAIMER This presentation may contain statements about events and expectations that may be “forward-looking,” including those relating to general business plans and overall growth strategy of Star Housing Finance Limited (“Star HFL"), formerly known as Akme Star Housing Finance Limited, and its a
Slide 15: Thank You
Thank You For any questions, please connect with [email protected] www.starhfl.com
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