Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q4 FY2026 Earnings Presentation
54 slides from Can Fin Homes's earnings presentation, March 2026
Slide 1: Growth That Brings Everyone Home
Growth That Brings Everyone Home Q4FY26 Investor Presentation
Slide 2: About Us
Can Fin Homes Limited About Us Legacy Focus • 38 year old institution registered as a • To promote home ownership across India, deposit taking HFC with NHB with a motto of friendship finance and • Promoted by Canara Bank in the year 1987 good service (shareholding of 30% approx.) • To focus on Housi
Slide 3: Journey So Far
Can Fin Homes Limited Journey So Far PAT Crossed AUM crossed AUM crossed ` 1000 Crores ` 40,000 Cr. `20000 Cr in in Dec. 2025 December 2019. 2026 2025 2019 Rights issue of CFHL– Loan book over Split of equity shares mCap over `10000 Cr. from `10 each to `1000 Cr `2 each (w.e.f. 13/10/17). 2015 2016
Slide 4: Journey So Far
Can Fin Homes Limited Journey So Far Reinforce Rebuild Reach Higher • Company will continue its • Company intends to evolve • Expansion of sourcing channels thrust on growth, asset quality, further with the help of to attract different segments of profitability and liquidity technology, duly keeping
Slide 5: Our Strengths
Can Fin Homes Limited Our Strengths • Consistent management support and guidance from the sponsor - Canara Bank • Expertise gained over 38 years in housing finance • Eminent personalities with rich experience on the Board • Quick, hassle-free and customer-friendly lending process • Transparent and t
Slide 6: Credit Rating
Can Fin Homes Limited Credit Rating Position as on 31/03/2026 Borrowings CARE ICRA IND Ra Term Loans (Long Term Loan) AAA/Stable AAA/Stable Term Loans (Short Term Loan) A1+ NHB Borrowings AAA/Stable Commercial Papers (CPs) A1+ A1+ Non-Convertible Debentures (NCDs) AAA/Stable AAA/Stable AAA/Stable Pu
Slide 7: Board of Directors
Can Fin Homes Limited Board of Directors Shri K Shri Suresh S Iyer Shri Hardeep Singh Satyanarayana Managing Director & Ahluwalia Raju (Non-Executive CEO Chairman (Promoter) Director) (upto 31/12/2025) (w.e.f. 06/08/2025) Smt Shri Ajai Kumar Shri Arvind Shubhalakshmi Director (Independent) Narayan A
Slide 8: Experienced Management Team
Can Fin Homes Limited Experienced Management Team Shri Prakash Shri Uthaya Shri Nilesh Jain Shanbhogue Kumar A Company Secretary President President & Total Exp: 23 Years Total Exp: 32 Years Chief Risk Officer Service in Can Fin - Service in Can Fin - Total Exp: 31 Years 2.8 Years 32 Years Service i
Slide 9: Business Overview
Can Fin Homes Limited Business Overview 9
Slide 10: Consistent Business Performance
Can Fin Homes Limited Consistent Business Performance ` in Crore PAT GNPA 1200 1086 0.91% 0.87% 0.85% 0.82% 857 0.76% 750 0.64% 0.62% 621 0.55% 0.43% 470 456 374 297 287 0.21% 0.19% 235 157 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26
Slide 11: Consistent Business Performance
Can Fin Homes Limited Consistent Business Performance ` in Crore SPREAD (%) AUM 42209 38217 2.86% 2.78% 2.63% 34999 2.61% 2.55% 2.55% 2.53% 2.49% 2.45% 31563 2.31% 2.16% 26711 22105 20706 18381 15743 13313 10643 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY16 FY17 FY18 FY19 FY20 FY21 FY2
Slide 12: Roadmap - 2028
Can Fin Homes Limited Roadmap - 2028 Geographical Concentration Segment Mix (AUM) (Incremental Disbursement) Mar-23 Mar-26 Mar-28 (Proj) Mar-23 Mar-26 Mar-28 (Proj) 22% 40% 27% 32% 35% 41% 60% 59% 73% 68% 65% 78% Rest of India South SENP Salaried Product Mix (AUM) Sourcing Mix (Incremental Disbursem
Slide 13: Digital Acceleration & Strategy
Can Fin Homes Limited Digital Acceleration & Strategy 13
Slide 14: Systems and Controls
Can Fin Homes Limited Systems and Controls Lead Generation Valuation Through Website, Customer • Through professional Valuers, Referral, Direct Marketing and DSA validation of rates through market Channel. linked web sites • Mobile-based app for all valuers Due Diligence • Tie-up with Valocity • CKY
Slide 15: Systems and Controls
Can Fin Homes Limited Systems and Controls Documentation Monitoring Pre-filled System Generated • Data mining for EWS documents ready for execution • Monthly OTMS reports • Zonal Risk Monitoring Storage of Loan Dockets Centralised Document Storage. Reconciliation Auto reconciliation module for • Vet
Slide 16: Digital Transformation
Can Fin Homes Limited Digital Transformation Creating a digital Providing financial services personalized bouquet in and seamless collaboration services to our with some of the customers across nation’s leading the country technological support providers Our digital focus areas Building robust Autom
Slide 17: IT Transformation Status
Can Fin Homes Limited IT Transformation Status Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) Human Resource Management System (HRMS
Slide 18: Supporting & Implementation Partners
Can Fin Homes Limited Supporting & Implementation Partners IBM System Integrator Leading the technical integration of all systems and ensuring seamless interoperability across the IT ecosystem. PWC KPMG Consulting Implementation Support Providing strategic guidance, business Offering specialized imp
Slide 19: Business Highlights
Can Fin Homes Limited Business Highlights 19
Slide 20: Performance Highlights - Q4FY26
Can Fin Homes Limited Performance Highlights - Q4FY26 1. Loan Book reached `42209 Cr (+10% YoY) with a 7. Gross NPA: 0.85% Net NPA: 0.37% clientele base of 2.90 Lakh (additional management overlay available) 2. NII: `422 Cr, PBT: `353 Cr and PAT*: `346 Cr. 8. The Salaried and Professional segment co
Slide 21: Performance Highlights - Q4FY26
Can Fin Homes Limited Performance Highlights - Q4FY26 ` in Crore SI. Year on Year and Sequential Particulars No. Mar'26 (3m) Mar'25 (3m) Dec'25 (3m) 1 New Approvals 3523 2650 2886 2 Disbursements 3246 2455 2727 3 Outstanding Loan Book 42209 38217 40693 4 Net Interest Income 422 349 421 5 Operating P
Slide 22: Key Financial Ratios - Q4FY26
Can Fin Homes Limited Key Financial Ratios - Q4FY26 Period Ended SI. Particulars No. Mar'26 (3m) Mar'25 (3m) Dec'25 (3m) 1 Return on Avg. Assets (%) 3.29% 2.59% 2.55% 2 Return on Avg. Equity (%) 23.12% 18.47% 18.80% 3 Earnings Per Share (`) 25.96 15.70 19.89 4 Net Interest Margin (%) 4.19% 3.82% 4.1
Slide 23: Performance Highlights - FY26
Can Fin Homes Limited Performance Highlights - FY26 ` in Crore SI. Year on Year (As per IND AS) Particulars No. Mar’26 (12m) Mar'25 (12m) Growth (%) 1 New Approvals 11148 9294 20% 2 Disbursements 10531 8568 23% 3 Outstanding Loan Book 42209 38217 10% 4 Net Interest Income 1610 1353 19% 5 Operating P
Slide 24: Key Financial Ratios - FY26
Can Fin Homes Limited Key Financial Ratios - FY26 SI. Period Ended Particulars No. Mar'26 (12m) Mar'25 (12m) 1 Return on Avg. Assets (%) 2.58% 2.24% 2 Return on Avg. Equity (%) 18.16% 16.92% 3 Earnings Per Share (`) 81.54 64.37 4 Net Interest Margin (%) 3.93% 3.64% 5 Yield on Loan Portfolio (%) 10.0
Slide 25: Portfolio Composition & Mix
Can Fin Homes Limited Portfolio Composition & Mix 25
Slide 26: Segment wise AUM
Can Fin Homes Limited Segment wise AUM AUM FY25 AUM FY26 1% 0.5% 13% 14% 29% 32% 1% 0.5% 56% 53% Sal - Govt. Sal - Private Sal - PSU/Banks SENP Prof 26
Slide 27: Product wise AUM / Purpose wise AUM
Can Fin Homes Limited Product wise AUM Purpose wise AUM AUM FY25 AUM FY25 2% 2% 6% 5% 8% 4% 16% 11% 7% 76% 62% Housing Construction Housing CRE Flat AUM FY26 LAP and Mort AUM FY26 Resale 2% Top-up Renovation Others 2% Mort + LAP + Top-up 8% 6% 10% 18% Others 12% 5% 6% 72% 59% * Others include Site l
Slide 28: Loan Amount Wise Disbursement and AUM
Can Fin Homes Limited Loan Amount Wise Disbursement and AUM Disbursement (12 Months) 46% 39% 27% FY 25 26% 22% FY 26 20% 12% 9% 0-10L 10-20L 20-30L >30L AUM 33% 30% 29% 28% 28% 28% Mar 25 12% 11% Mar 26 0-10L 10-20L 20-30L >30L 28
Slide 29: The Sourcing Funnel
Can Fin Homes Limited The Sourcing Funnel 29
Slide 30: Sourcing Mix
Can Fin Homes Limited Sourcing Mix FY24 FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Active DSAs 1184 1245 1250 1638 1902 1695 Total Disbursement (Crores) 8117 8568 2015 2545 2727 3246 Total DSA Sourced Amount (Crores) 6669 6832 1599 2010 2177 2618 % share of total business 82% 80% 79% 79% 80% 81% Share of Top
Slide 31: Zone wise Contribution - FY 25
Can Fin Homes Limited Zone wise Contribution - FY 25 Zone wise Branches Zone wise Disbursement Zone wise AUM 8% 9% 13% 13% 13% 22% 18% 14% 20% 8% 32% 28% 19% 21% 17% 14% 17% 13% North West East Karnataka North West East Karnataka North West East Karnataka Tamil Nadu Telangana Tamil Nadu Telangana Ta
Slide 32: Zone wise Contribution - FY 26
Can Fin Homes Limited Zone wise Contribution - FY 26 Zone wise Branches Zone wise Disbursement Zone wise AUM 9% 9% 13% 15% 14% 23% 17% 11% 18% 8% 28% 28% 20% 20% 19% 17% 18% 14% North West East Karnataka North West East Karnataka North West East Karnataka Tamil Nadu Telangana Tamil Nadu Telangana Ta
Slide 33: Lending Basket
Can Fin Homes Limited Lending Basket Category-Wise Product-Wise Distribution of Loan Book ` in Crore Sl. No. Particulars Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 1 Salaried & Professionals i) Housing Loans 24372 24619 24803 25049 25604 ii) Top-up Personal Loans 1204 1232 1261 1294 1337 iii) Mortgage Loans
Slide 34: Funding Basket
Can Fin Homes Limited Funding Basket Funding Mix @ Mar 2025 (as %) Funding Mix @ Mar 2026 (as %) 1% 1% 3% 7% 17% 23% Banks 16% 52% NHB 63% 17% NCD CP Deposits Total Borrowings: `35289 Crore Total Borrowings: `38258 Crore 34
Slide 35: Financial Strength
Can Fin Homes Limited Financial Strength 35
Slide 36: Yield, Cost, NIM and Spread
Can Fin Homes Limited Yield, Cost, NIM and Spread (As at the end of each quarter) 10.08% 10.06% 7.26% 7.20% 3.89% 3.93% 2.82% 2.86% Q2 FY 24-25 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Yield Cost NIM Spread 36
Slide 37: Share of Annual Reset Loans to AUM
Can Fin Homes Limited Share of Annual Reset Loans to AUM 1st April Particulars Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 2026 Yield 10.11% 10.09% 10.08% 10.07% 9.99% 9.80% Cost of Funds 7.40% 7.47% 7.17% 7.14% 7.07% 6.99% Spread 2.71% 2.62% 2.91% 2.93% 2.92% 2.81% Benchmark Rate 9.50% 9.50% 9.35% 9.25% 9.1
Slide 38: Movement of Delinquency Pool
Can Fin Homes Limited Movement of Delinquency Pool ` in Crore Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Total Delinquency 3675 4204 4886 4265 3979 3802 3618 3375 Outstanding 35559 36591 37155 38217 38773 39657 40693 42209 % 10.34% 11.49% 13.15% 11.16% 10.26% 9.58% 8.89% 7.99% 13.15% 11
Slide 39: NPA and Provision
Can Fin Homes Limited NPA and Provision Gross NPA & Net NPA Provision held (%) ` in Crore 0.98 59 0.92 0.94 0.92 0.87 0.85 59 59 59 59 34 210 171 182 184 0.54 0.50 0.47 0.48 0.49 154 159 0.37 Q3 FY 24- 25 Q4 FY 24- 25 Q1 FY 25- 26 Q2 FY 25- 26 Q3 FY 25- 26 Q4 FY 25- 26 Q3 FY 24-25 Q4 FY 24-25 Q1 FY
Slide 40: Total Provisions Held
Can Fin Homes Limited Total Provisions Held ` in Crore Balance as on Provision as per Provision as per ECL Stages 31 Mar 2026 IRAC ECL Model Standard Asset 1 38834 SMA 0 1 1118 175 190 SMA 1 2 1054 SMA 2 2 846 NPA 3 357 185 210 Total Portfolio 42209 400 Undisbursed Loan Commitment 1402 6 Management
Slide 41: PCR with Management Overlay
Can Fin Homes Limited PCR with Management Overlay ` in Crore Particulars Q4 FY25 As % of GNPA Q4 FY26 As % of GNPA Gross NPA 333 357 A. ECL Provision (Stage 3) 159 48% 210 58% B. Management Overlay 59 18% 59 17% Total Provision available (A+B) 218 65% 269 75% C. Prov for Restructured Pool 49 15% 40
Slide 42: Run Down Ratios
Can Fin Homes Limited Run Down Ratios ` in Crore Opening Amortization + Closing Balance Quarter Disbursement (B) Run Down E= C/A Balance (A) Pre-payment (C) (D=A+B-C) Q4 FY 22 25091 2730 1110 26711 4.50% Q1 FY 23 26711 1726 899 27538 3.53% Q2 FY 23 27538 2275 990 28823 3.69% Q3 FY 23 28823 2408 1116
Slide 43: Shareholding Pattern
Can Fin Homes Limited Shareholding Pattern 4.35 As on 31.03.2026 Shareholding Category 10.49 as % 29.99 Promoter 29.99 13.37 Mutual Funds 21.85 Individual 19.95 Foreign Corporate 19.95 13.37 21.85 Bodies Bodies Corporate 10.49 Others 4.35 Grand Total 100.00 Promoter Foreign Corporate Bodies Mutual F
Slide 44: ESG
Can Fin Homes Limited ESG Environment The Company has undertaken several sustainability initiatives to operational resilience. Employees undergo regular security awareness strengthen its commitment to environmental responsibility. Some of the training to enhance vigilance and preparedness. Customer
Slide 45: ESG Rating
Can Fin Homes Limited ESG Rating ERP Name ESG Rating ESG Risk Assessments & Insights Limited 60 CRISIL ESG Ratings & Analytics Limited Crisil ESG 63 SES ESG Research Private Limited 78.7 CFC Finlease Private Limited 80 NSE Sustainability Ratings and Analytics 73+ 45
Slide 46: Sustainability Initiatives under CSR
Can Fin Homes Limited Sustainability Initiatives under CSR Can Fin Homes Powers Government Schools with Bio Gas and Organic Composting Organic Waste Composting and Biogas Systems have been installed at three residential schools in Doddaballapur, Bengaluru: Morarji Desai Residential School, Kitturu R
Slide 47: Sustainability Initiatives under CSR
Can Fin Homes Limited Sustainability Initiatives under CSR Play = Progress! Can Fin Homes has sponsored a play arena at the Spastic Society of Karnataka (SSK) in Bengaluru. This space is dedicated to helping children with developmental disabilities, enhance their physical skills and social connectio
Slide 48: Our Network
Can Fin Homes Limited Our Network 48
Slide 49: 21 States / UT 249 branch offices
Can Fin Homes Limited 21 States / UT Chandigarh (1) 249 branch offices Punjab (5) Uttarakhand (3) Haryana (13) Faridabad Delhi (3) Jaipur Uttar Pradesh (22) Rajasthan (20) Bihar (2) West Bengal (1) Madhya Pradesh (11) Gujarat (8) Chhattisgarh (3) Odisha (4) Maharashtra (16) Telangana (19) Hyderabad
Slide 50: Branch Network
Can Fin Homes Limited Branch Network (249 Branch Offices) Mumbai, Nagpur, Panvel, Virudhunagar, Tirunelveli, • Uttarakhand Kalyan, Pune, Nashik, CBE P N Palyam, Tiruppur (2), Dehradun, Haridwar, Rudrapur • Punjab Boisar, Chakan, Hinjewadi, Kumbakonam, Thoothukudi, Ludhiana, Mohali, Bathinda, • Telan
Slide 51: Meet PAARTH
Can Fin Homes Limited Meet PAARTH The embodiment of true Canfinite spirit. Sharp on Compliance. Driven by Service. Laser-Focused on Growth. 51
Slide 52: Paarth in action - Guiding our communication
Can Fin Homes Limited Paarth in action - Guiding our communication 52
Slide 53: Notes
Notes 53
Slide 54: Can Fin Homes Ltd
Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS + DEPOSITS Translating Dreams inlo Reality