Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q2 FY2026 Earnings Presentation
41 slides from Can Fin Homes's earnings presentation, Oct 18, 2025
Slide 1: Exchange submission letter for investor presentation
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 284/2025 18/10/2025 ON
Slide 2: Investor Presentation Q2FY26
Investor Presentation Q2FY26 38 years of vision, passion and progress Offering home loans since 1987….. and it is just a beginning Oct 2025
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 248 • Promoted by Canara service branches/offices Bank in the year 198
Slide 4: Company milestones since 1987
2015 2021 ET Edge Promising 11 more Brand Award to branches are 1989 Can Fin Homes Ltd. added, including Rights issue of CFHL New Delhi Loan book crossed 1991 – mCap over Rs. 100 Cr Rs. 1000 Cr Loan book over 2016 Successful First branch of 100th branch at Begur, Rs. 10000 Cr completion AUM crossed
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 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 by borrowing type
Position as on 30/09/2025 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 • Dual Rati
Slide 8: Board of Directors
Shri Swarupananda Mallick Chairman (Promoter) Managing Director & CEO Director (Independent) Director (Independent) Director (Independent) Director (Independent) (Upto 20/08/2025) Director (Independent) Deputy Managing Director Director (Independent (w.e.f 21/08/2025) (w.e.f 29/04/2024) www.canfinho
Slide 9: Senior management team
President & Chief Risk Officer President Company Secretary Total Exp: 31 Years Total Exp: 32 Years Total Exp: 22 Years Service in Can Fin – 31 years Service in Can Fin – 32 Years Service in Can Fin – 2 Year Chief Financial Officer Chief Compliance Officer Chief Information Officer Total Exp: 20 Year
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: Geographical, product, segment and sourcing mix
Geographical Concentration (Incremental Disbursement) Product Mix (AUM) 100% 100% 22% 11% 15% 20% 80% 32% 40% 80% 60% 60% 40% 89% 85% 80% 40% 78% 68% 60% 20% 20% 0% 0% Mar-23 Sep-25 Mar-28 Mar-23 Sep-25 Mar-28 (Proj.) (Proj.) South North HL NHL Segment Mix (AUM) Sourcing Mix (AUM) 100% 100% 14% 14%
Slide 12: Loan process: lead generation, due diligence, sanction
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 13: Documentation, collection and monitoring
Documentation Pre-filled System Generated documents - ready for Execution. Storage of Loan Centralised Document Storage. Dockets Vetting of security documents with alternate empanelled advocates. Through E -NACH, Salary deduction. Collection Option for online Payment. Tie up for cash collection from
Slide 14: 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 15: Supporting & Implementation Partners
Supporting & Implementation Partners Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) IBM System Integrator Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) Human Resource Management
Slide 16: Q2 FY26 highlights
1. Loan Book reached Rs. 39657 Cr (+8 % 7. Gross NPA 0.94% & Net NPA 0.48%. (additional YoY) with a clientele base of 2.84 lakh. management overlay available). 2. NII:Rs. 404 Cr, PBT: Rs. 332 Cr and 8. The Salaried and Professional PAT: Rs. 251 Cr. segment constitutes 69 % of the 3. NIM: 4.02 %, RoA
Slide 17: Year on Year and Sequential
* Amt in Crore Sl. Year on Year and Sequential Particulars No. Sep’25 (3m) Sep’24 (3m) Jun’25 (3m) 1 New Approvals 2680 2617 2059 2 Disbursements 2545 2381 2015 3 Outstanding Loan Book 39657 36591 38773 4 Net Interest Income 404 340 363 5 Operating Profit 335 288 304 6 ECL Provision 3 14 26 7 Profit
Slide 18: Key ratios, quarter ended
* Amt in Crore Sl. PERIOD ENDED Particulars No. Sep’25(3m) Sep’24(3m) Jun’25(3m) 1 Return on Avg Assets (%) 2.46% 2.29% 2.19% 2 Return on Avg Equity (%) 18.41% 17.99% 16.93% 3 Earning Per Share (Rs.) 18.88 15.88 16.81 4 Net Interest Margin (%) 4.02% 3.75% 3.64% 5 Yield on Loan Portfolio (%) 10.08% 1
Slide 19: Year on Year (As per IND AS), six months
* Amt in Crore Sl. Year on Year (As per IND AS) Particulars No. Sep’25 (6m) Sep’24 (6m) Growth% 1 New Approvals 4739 4586 3% 2 Disbursements 4560 4233 8% 3 Outstanding Loan Book 39657 36591 8% 4 Net Interest Income 767 660 16% 5 Operating Profit 639 567 13% 6 ECL Provision 29 38 (24%) 7 Profit Befor
Slide 20: Key ratios, six months ended
* Amt in Crore Sl. PERIOD ENDED Particulars No. Sep’25(6m) Sep’24(6m) 1 Return on Avg Assets (%) 2.32% 2.22% 2 Return on Avg Equity (%) 17.40% 17.49% 3 Earning Per Share (Rs.) 35.70 30.88 4 Net Interest Margin (%) 3.83% 3.65% 5 Yield on Loan Portfolio (%) 10.09% 10.12% 6 Cost of borrowing (%) 7.29%
Slide 21: AUM by borrower profile
AUM Q2FY 25 AUM Q2 FY 26 1% 1% 15% 14% 26% 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 20
Slide 22: AUM by product
AUM Q2FY25 AUM Q2FY26 6% 2% 5% 2% 6% 7% 10% 11% 74% 77% Housing Housing CRE Lap and Mort Top UP Others Housing Housing CRE Lap and Mort Top UP Others www.canfinhomes.com 21
Slide 23: AUM by purpose
AUM Q2FY25 AUM Q2FY26 15% 17% 8% 9% 2% 2% 4% 5% 61% 63% 8% 6% 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 24: Disbursement and AUM by ticket size
Disbursement (6 Months) AUM 43% 31% 31% 29% 28% 28% 28% 38% 28% 27% 22% 21% 13% 12% 12% 10% 0 - 10L 10 - 20L 20 - 30L >30L 0 - 10L 10 - 20L 20 - 30L >30L H1FY25 H1FY26 Sep-24 Sep-25 www.canfinhomes.com 23
Slide 25: Growth trend by quarter
18% 14% 9% 6% 7% 0% Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 -11% -9% -6% -22% Gr% www.canfinhomes.com 24
Slide 26: DSA sourcing diversification
Amt in Crore FY23 FY24 FY25 Q1FY26 Q2FY26 Active DSA's 1463 1184 1245 1250 1638 Total Disbursement 8947 8117 8568 2015 2545 (Crores) Total DSA Sourced Amount(Crores) 7302 6669 6832 1599 2010 % share of total 82% 82% 80% 79% 79% business Share of Top 20 DSA's Amount(Crores) 1011 844 878 171 208 % sha
Slide 27: Share of AUM sourced through DSA channel
87% 86% 85% 82% 80% 80% 80% 80% 80% 80% 79% 79% 78% 76% Q1 FY 23Q2 FY 23Q3 FY 23Q4 FY 23Q1 FY 24Q2 FY 24Q3 FY 24Q4 FY 24Q1 FY 25Q2 FY 25Q3 FY 25Q4 FY 25Q1 FY 26 Q2 FY26 *72% of AUM sourced through DSA channel www.canfinhomes.com 26
Slide 28: Branches and loan portfolio by region
Branches Loan Portfolio 73% 71% 60% 54% 19% 14% 16% 18% 13% 14% 11% 12% 4% 5% 5% 4% 2% 2% 1% 1% Central East North South West Central East North South West Q2FY25 Q2FY26 Q2FY 25 Q2FY 26 www.canfinhomes.com 27
Slide 29: 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 30: Category-wise product-wise distribution of loan book
CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK * Amt in Crore Sl. Sep - 24 Dec - 24 Mar - 25 Jun - 25 Sep - 25 Particulars No. 0/s Amt 0/s Amt 0/s Amt 0/s Amt 0/s Amt 1 Salaried & Professionals i) Housing Loans 23607 23950 24372 24619 24803 ii) Top-up Personal Loans 1121 1155 1204 1232 1261 ii
Slide 31: Funding mix
Funding Mix @ Sep 2024 (as %) Funding Mix @ Sep 2025 (as %) Deposits CP Deposits 1% CP 7% 1% 6% NCD 18% NCD 22% Banks Banks NHB 60% 57% 14% NHB 14% Total Borrowings – Rs. 33790 Crore Total Borrowings – Rs. 36107 Crore • During the quarter deposit base increased and has crossed Rs. 200 crores. • Addi
Slide 32: Yield, cost of borrowing and spread trends
10.14% 10.10% 3.73% 3.64% 10.09% 3.75% 3.82% 3.83% 10.09% 10.12% 2.55% 2.62% 7.56% 7.54% 7.47% 2.56% 2.68% 7.29% 2.79% 7.56% Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 www.canfinhomes.com 31
Slide 33: Asset classification and ECL stages
* Amt in Crore Provision as Balance as on Provision as Asset Classification ECL Stages per ECL 30 Sep 2025 per IRAC Model Standard Asset 1 35807 SMA 0 1 1402 158 208 SMA 1 2 1163 SMA 2 2 912 NPA 3 373 172 182 Total Portfolio 39657 390 Undisbursed Loan Commitment 1362 6 Management Overlay 59 Provisio
Slide 34: Total delinquency outstanding
* Amt in Crore Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Total Delinqueny 3675.53 4204.1 4886.04 4265.98 3979.09 3802.72 Outstanding 35559 36591 37155 38217 38773 39657 13.15% 11.49% 11.16% 10.26% 9.58% 10.34% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 www.canfinhomes.com 33 Gr%
Slide 35: Gross NPA & Net NPA, provision held
Gross NPA & Net NPA (%) Provision held * Amt in Crore 0.98 0.92 0.94 0.88 0.87 59 59 59 34 34 0.54 0.47 0.50 0.47 0.48 171 182 149 154 159 Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q2 FY 24- 25 Q3 FY 24- 25 Q4 FY 24- 25 Q1 FY 25- 26 Q2 FY 25- 26 Provision for NPA Management Overlay
Slide 36: Provision coverage as % of GNPA
* Amt in Crore H1FY25 As % of H1FY26 As % of GNPA GNPA Gross NPA 320 373 A. ECL Provision (Stage 3) 149 46% 182 49% B. Management Overlay 34 59 Total Provision available 183 57% 241 65% (A+B) C. Prov for Restructured 50 40 Pool Total Provision available 233 73% 281 75% (A+B+C) D. Provision for Std A
Slide 37: Shareholding pattern as on 30.09.2025
As on 30.09.2025 SI No. Category shareholding as % 6.41 10.85 29.99 1 Promoter 29.99 12.52 2 Individual 20.32 2 Mutual Funds 19.91 4 Foreign Corporate Bodies 12.52 20.32 19.91 5 Bodies Corporate 10.85 6 Others 6.41 7 Grand Total 100.00 Promoter Mutual Funds Individual Foreign Corporate Bodies Bodies
Slide 38: 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 39: 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 40: Branch offices (248)
(248 BRANCH OFFICES) • Punjab – Jalandhar, Ludhiana, • Odisha – Bhubaneshwar , Mohali, Bathinda, Patiala Berhampur, Jharsuguda, Cuttack • Telangana – Hyderabad (13 • Chandigarh branches), Siddipet, Warangal, • Bihar – Patna, Darbhanga Karimnagar, Khammam, • Rajasthan – Alwar, Jaipur, Mancherial, Niz
Slide 41: 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,