Home First Finance Company India Limited — PPTs, 06-05-2026: Investor Presentation

**Business Performance & Key Financials:**

Home First Finance reported robust FY26 performance: Assets Under Management (AUM) grew 24.9% YoY to ₹15,877.7 Cr, and Profit After Tax (PAT) jumped 41.4% YoY to ₹540.4 Cr, resulting in an ROA of 3.9% and ROE of 15.7%. Q4FY26 continued strong, with PAT at ₹149.4 Cr (+42.7% YoY) and disbursements reaching a record ₹1,572.4 Cr. Asset quality improved, with Gross Stage 3 (GNPA) at 1.8%. The granular loan book features 83% housing loans, mostly to salaried customers, with an average ticket size of ₹12 Lakh. Liquidity buffer is ₹3,125.8 Cr.

**Growth Drivers & Outlook:**

The company expanded its network to 171 branches and 373 touchpoints. Technology integration, including data science-backed underwriting and AI platforms, drives efficiency. Recent moves include certifying 450 Green Homes and raising ₹1,250 Cr via QIP, plus funds from IFC and DFC for affordable/green housing, including a $75M loan for women borrowers. Management anticipates ~25% YoY AUM growth in FY27 through expanded distribution, tech enhancements, and strong risk management.