Home First Finance Company India Limited — PPTs, 04-11-2025: Investor Presentation

HomeFirst Finance demonstrated robust performance with Assets Under Management (AUM) growing to ₹14,178.1 Cr, up 26.3% year-on-year and 5.2% quarter-on-quarter. Profit After Tax (PAT) surged 43.0% YoY to ₹131.8 Cr. Disbursements also saw healthy momentum at ₹1,289.4 Cr. The company expanded its reach to 163 branches across 143 districts.

Key strategies include leveraging technology for customer onboarding and service, with strong digital adoption and centralized, data-science-backed underwriting. Sustainability initiatives like the Green Homes project also continue.

Recent developments include adding new branches and securing significant funding: a $75 million loan from US DFC for women low-income borrowers and ₹280 Cr from IFC for affordable and green housing. The company also raised ₹1,250 Cr through a QIP.

Financial metrics remain strong with a Return on Assets (ROA) of 3.8% and a pre-money adjusted Return on Equity (ROE) of 16.7%. Net Interest Spread (ex-co-lending) was 5.3%. Asset quality is stable, with Gross Stage 3 at 1.9%.

Management is optimistic for the second half, citing improving macro conditions, easing interest rates, and supportive government policies, expecting continued growth and stable asset quality.