Home First Finance Company India Limited — PPTs, 28-01-2025: Investor Presentation

**Financial Highlights**: Home First Finance Company reported impressive results for Q3FY25. Assets Under Management (AUM) reached ₹1,19,494 Cr, up 32.6% year-on-year and 6.4% quarter-on-quarter. Profit After Tax (PAT) grew by 23.5% year-on-year to ₹974 Mn, translating to a Return on Assets (ROA) of 3.4% and Return on Equity (ROE) of 16.6%.

**Strategic Initiatives and Growth Drivers**: The company remains focused on sustainable growth, enhancing operational efficiency, and driving market share in the affordable housing segment. The management expressed confidence in achieving a medium-term AUM goal of ₹20,000 Cr by March 2027, facilitated by plans to raise equity of up to ₹1,250 Cr.

**Business Developments**: Home First expanded its footprint with the addition of 7 new branches and 8 touchpoints, bringing the total to 149 branches and 359 touchpoints. Technology adoption is being prioritized to improve digital fulfillment, which now stands at 80%.

**Market Position and Competitive Advantage**: With a strong liability profile and diversified funding sources, the company is well-positioned within the affordable housing finance sector. The continued improvement in credit quality, alongside robust measures to maintain customer service, supports a positive outlook.

**Investor Implications**: Investors should watch closely as the company leverages its technological initiatives and strategic expansion, presenting potential growth opportunities in a favorable market environment.