Home First Finance Company India Limited — PPTs, 22-01-2026: Investor Presentation

Home First Finance delivered a strong Q3FY26. Assets Under Management (AUM) grew 24.9% YoY to ₹14,925 Cr, driven by disbursements of ₹1,318 Cr, up 10.5% YoY. Profit After Tax (PAT) surged 44.0% YoY to ₹140 Cr. The company maintained robust profitability with a Return on Assets (ROA) of 4.0% and Return on Equity (ROE) of 13.7% (17.1% pre-money ROE). Asset quality remained stable with Gross Stage 3 at 2.0% and 1+ DPD improving by 20 bps QoQ to 5.3%.

Strategic focus areas include leveraging technology for customer acquisition and operations, alongside expanding its physical network. The company added 2 branches and 2 touch points this quarter, growing its total to 165 branches and 368 touchpoints across 13 states/UTs. They also raised ₹1,294 Cr through a QIP, strengthening net worth. Significant progress was made on the Green Homes initiative, certifying 70 additional homes.

Management is optimistic, projecting 25% AUM growth for FY27, backed by technology, distribution, diversified funding, and disciplined risk management, aiming for a credit cost of 30-40 bps.