Home First Finance Company India Limited — PPTs, 25-07-2025: Investor Presentation

Here's a summary of the attached investor presentation:

**Financial Highlights:**

Q1FY26 PAT at ₹118.9 Cr (+35.5% YoY). AUM grew 28.6% YoY to ₹13,478.7 Cr; disbursements ₹1,243.5 Cr. ROA/ROE 3.7%/14.9%. Asset quality: GNPA 1.8%, 30+ DPD 3.5%. Liquidity buffer ₹3,378.9 Cr.

**Strategic Initiatives & Growth Drivers:**

₹1,250 Cr QIP bolsters capital for expansion. Added 3 branches (total 158, 142 districts). Tech includes DigiLocker integration & "Pulse" AI, boosting 80%+ digital fulfillment. Focus on "Green Homes" & strong ESG ratings.

**Business Developments:**

Digitally innovating with DigiLocker & "Pulse" AI. IFC/DFC partnerships support affordable & green housing finance for women borrowers, reinforcing sustainable lending.

**Market Position & Competitive Advantage:**

Tech-driven affordable housing financier for first-time buyers (avg. loan ₹0.118 Cr). AA credit rating, diversified funding. High NPS (78), 90% loan approvals in 48 hours shows efficiency. Strong financial inclusion focus.

**Investor Implications:**

Solid Q1 financials, strategic capital, tech-driven growth suggest positive potential. Robust asset quality & affordable housing focus reduce execution risks for long-term opportunity.