Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q3 FY2026 Earnings Presentation
39 slides from Can Fin Homes's earnings presentation, Jan 17, 2026
Slide 1: Exchange filing cover letter
CAN FIN HOMES LIMITED Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Near Lalbagh West Gate, Basavanagudi Bengaluru – 560 004 Tel: 080-48536192; Fax: 26565746 e-mail: compsec@canfinhomes.com Web: www.canfinhomes.com CIN – L85110KA1987PLC008699 CFHRO SE CS LODR 15/2026 17/01/2026 ONL
Slide 2: Investor Presentation Q3FY26
Investor Presentation Q3FY26 38 years of vision, passion and progress Offering home loans since 1987….. and it is just a beginning Jan 2026
Slide 3: About Us
About Us Legacy Focus Reach • 38 year old • To promote home • Headquartered institution registered ownership across in Bengaluru as a deposit taking India, with a motto HFC with NHB of friendship • Pan-India presence finance and good with 249 • Promoted by Canara service branches/offices Bank in the
Slide 4: Journey So Far
Journey So Far 2015 2021 ET Edge Promising 11 more Brand Award to branches are 1989 Can Fin Homes Ltd. added, including Rights issue of CFHL New Delhi Loan book crossed 1991 – mCap over Rs. 100 Cr Rs. 1000 Cr Loan book over 2016 Successful First branch of 100th branch at Begur, Rs. 10000 Cr completi
Slide 5: Reinforce Rebuild Reach Higher
Reinforce Rebuild Reach Higher • Company will continue its thrust on growth, asset quality, • Company intends to evolve further • Expansion of sourcing channels to profitability and liquidity. with the help of technology, duly attract different segments of • Unwavering focus on good keeping abreast
Slide 6: Our Strengths
II Our Strengths • Consistent management support and guidance from the sponsor - Canara Bank. • Expertise gained over 38 years in housing 1989 finance. • Eminent personalities with rich experience on the Board • Quick, hassle free and customer friendly lending process. • Transparent and timely updat
Slide 7: Credit Rating
Credit Rating Position as on 31/12/2025 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 Public Deposits AAA/Stab
Slide 8: Board of Directors
Shri Swarupananda Mallick Board of Directors Shri Suresh S Iyer Shri Hardeep Singh Smt Shubhalakshmi Aamod Shri K Satyanarayana Raju Shri Ajai Kumar Managing Director & CEO Ahluwalia Panse Director (Independent) Chairman (Promoter) (Non-Executive Director) Director (Independent) (upto 31/12/2025) (w
Slide 9: Experienced Management Team
Experienced Management Team Shri Uthaya Kumar A Shri Prakash Shanbhogue Shri Nilesh Jain President & Chief Risk Officer President Company Secretary Total Exp: 31 Years Total Exp: 32 Years Total Exp: 23 Years Service in Can Fin – 31 years Service in Can Fin – 32 Years Service in Can Fin – 2.5 Year Sh
Slide 10: Consistent Business Performance
Consistent Business Performance PAT GNPA 900 857 1.00% 0.91% 750 0.87% 800 0.90% 0.82% 0.80% 0.76% 700 621 600 0.70% 0.62% 0.64% 456 470 0.60% 0.55% 500 374 0.50% 0.43% 400 287 297 0.40% 300 235 157 0.30% 0.21% 200 86 0.17% 0.19% 0.20% 100 0.10% 0 0.00% FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 F
Slide 11: Roadmap - 2028
Roadmap - 2028 Geographical Concentration (Incremental Disbursement) Product Mix (AUM) 100% 100% 22% 11% 16% 20% 80% 40% 40% 80% 60% 60% 40% 89% 84% 80% 40% 78% 60% 60% 20% 20% 0% 0% Mar-23 Dec-25 Mar-28 Mar-23 Dec-25 Mar-28 (Proj.) (Proj.) South North HL NHL Segment Mix (AUM) Sourcing Mix (AUM) 100
Slide 12: Systems and Controls
Systems and Controls Lead Generation • Through Website, Customer Referral, Direct marketing and DSA channel. Due Diligence • CKYC-UIDAI linked verification; • Bank account verification through PERFIOS; • Field verification of residence, employment, property in each proposal; • Online PAN verificatio
Slide 13: Systems and Controls
Systems and Controls Documentation • Pre-filled System Generated documents - ready for Execution. Storage of • Centralised Document Storage. Loan • Vetting of security documents with alternate empanelled advocates. Dockets • Through E -NACH, Salary deduction. Collection • Option for online Payment.
Slide 14: Digital Transformation
Digital Transformation Our digital focus areas: Providing Creating a digital Automation and Building robust personalized and financial services digitization of and secure digital seamless services to bouquet in processes to capabilities across our customers across collaboration with make things plat
Slide 15: IT Transformation Status
IT Transformation Status Supporting & Implementation Partners Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) IBM Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) System Integrator H
Slide 16: Performance Highlights – Q3FY26
Performance Highlights – Q3FY26 1. Loan Book reached Rs. 40693 Cr (+10 7. Gross NPA 0.92% & Net NPA 0.49%. % YoY) with a clientele base of 2.89 (additional management overlay available). lakh. 8. The Salaried and Professional 2. NII:Rs. 421 Cr, PBT: Rs. 341 Cr and segment constitutes 68% of the PAT:
Slide 17: Performance Highlights- Q3FY26
Performance Highlights- Q3FY26 * Amt in Crore Sl. Year on Year and Sequential Particulars No. Dec’25 (3m) Dec’24 (3m) Sep’25 (3m) 1 New Approvals 2886 2075 2680 2 Disbursements 2727 1879 2545 3 Outstanding Loan Book 40693 37155 39657 4 Net Interest Income 421 345 404 5 Operating Profit 351 291 335 6
Slide 18: Key Financial Ratios- Q3FY26
Key Financial Ratios- Q3FY26 Sl. PERIOD ENDED Particulars No. Dec’25(3m) Dec’24(3m) Sep’25(3m) 1 Return on Avg Assets (%) 2.55% 2.25% 2.46% 2 Return on Avg Equity (%) 18.80% 17.55% 18.41% 3 Earning Per Share (Rs.) 19.89 15.93 18.88 4 Net Interest Margin (%) 4.14% 3.73% 4.02% 5 Yield on Loan Portfoli
Slide 19: Performance Highlights- (9M)
Performance Highlights- (9M) * Amt in Crore Sl. Year on Year (As per IND AS) Particulars No. Dec’25 (9m) Dec’24 (9m) Growth (%) 1 New Approvals 7625 6659 14% 2 Disbursements 7287 6112 19% 3 Outstanding Loan Book 40693 37155 10% 4 Net Interest Income 1214 1005 21% 5 Operating Profit 990 859 15% 6 ECL
Slide 20: Key Financial Ratios- (9M)
Key Financial Ratios- (9M) Sl. PERIOD ENDED Particulars No. Dec’25(9m) Dec’24(9m) 1 Return on Avg Assets (%) 2.37% 2.21% 2 Return on Avg Equity (%) 17.52% 17.19% 3 Earning Per Share (Rs.) 55.58 46.81 4 Net Interest Margin (%) 3.89% 3.64% 5 Yield on Loan Portfolio (%) 10.08% 10.14% 6 Cost of borrowin
Slide 21: Segment wise AUM
Segment wise AUM AUM Q3FY 25 AUM Q3 FY 26 1% 1% 13% 14% 29% 30% 1% 1% 56% 54% Sal - Govt Sal - Private Sal - PSU/Banks SENP Prof Sal - Govt Sal - Private Sal - PSU/Banks SENP Prof www.canfinhomes.com 20
Slide 22: Product wise AUM
Product wise AUM AUM Q3FY25 AUM Q3FY26 6% 2% 5% 2% 6% 8% 10% 11% 73% 77% Housing Housing CRE Lap and Mort Top UP Others Housing Housing CRE Lap and Mort Top UP Others www.canfinhomes.com 21
Slide 23: Purpose wise AUM
Purpose wise AUM AUM Q3FY25 AUM Q3FY26 15% 17% 8% 10% 2% 4% 2% 60% 63% 5% 8% 6% Construction Flat Resale Rennov Mort+LAP+Top UP Others Construction Flat Resale Rennov Mort+LAP+Top UP Others *Others include Site loan, Loan against rent receivables, Loans for commercial property, Loans for children ed
Slide 24: Loan Amount Wise Disbursement and AUM
Loan Amount Wise Disbursement and AUM Disbursement (9 Months) AUM 44% 31% 31% 29% 28% 28% 28% 38% 28% 26% 22% 21% 13% 12% 12% 9% 0 - 10L 10 - 20L 20 - 30L >30L 0 - 10L 10 - 20L 20 - 30L >30L 9M FY25 9M FY26 Dec-24 Dec-25 www.canfinhomes.com 23
Slide 25: Channel Sourcing Mix
Channel Sourcing Mix Amt in Crore FY23 FY24 FY25 Q1FY26 Q2FY26 Q3FY26 Active DSA's 1463 1184 1245 1250 1638 1902 Total Disbursement 8947 8117 8568 2015 2545 2727 (Crores) Total DSA Sourced Amount(Crores) 7302 6669 6832 1599 2010 2177 % share of total 82% 82% 80% 79% 79% 80% business Share of Top 20
Slide 26: Disbursement Region Wise
Disbursement Region Wise FY 24 FY 25 FY 26 (9M) 12% 14% 16% 11% 13% 15% 8% 8% 60% 69% 65% 9% North West East South North West East South North West East South www.canfinhomes.com 25
Slide 27: Run Down Ratios
Run Down Ratios * Amt in Crore Opening Disbursement Amortization+ Closing Balance Run Balance(A) (B) Prepayment (D=A+B-C) Down (C) E= C/A 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 30115 4.05% Q4 FY 23 30115 2
Slide 28: Lending Basket
Lending Basket CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK * Amt in Crore Sl. Dec - 24 Mar - 25 Jun - 25 Sep - 25 Dec - 25 Particulars No. 0/s Amt 0/s Amt 0/s Amt 0/s Amt 0/s Amt 1 Salaried & Professionals i) Housing Loans 23950 24372 24619 24803 25049 ii) Top-up Personal Loans 1155 1204 12
Slide 29: Funding Basket
Funding Basket Funding Mix @ Dec 2024 (as %) Funding Mix @ Dec 2025 (as %) Deposits Deposits CP CP 1% 1% 3% 6% NCD NCD 19% 19% Banks NHB Banks 56% 15% 62% NHB 18% Total Borrowings – Rs. 33454 Crore Total Borrowings – Rs. 36915 Crore • During the quarter deposit base increased and has crossed Rs. 200
Slide 30: Yield, Cost, NIM and Spread
Yield, Cost, NIM and Spread(As at the end of each quarter) 10.10% 10.09% 10.09% 10.08% 3.83% 3.73% 3.82% 3.64% 3.89% 10.14% 7.54% 7.56% 2.79% 7.29% 2.62% 2.68% 7.26% 2.55% 7.47% 2.82% Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25
Slide 31: Total Provisions held
Total Provisions held * Amt in Crore Provision as Balance as on Provision as Asset Classification ECL Stages per ECL 31 Dec 2025 per IRAC Model Standard Asset 1 37075 SMA 0 1 1214 161 216 SMA 1 2 1131 SMA 2 2 900 NPA 3 373 175 184 Total Portfolio 40693 400 Undisbursed Loan Commitment 1342 6 Manageme
Slide 32: Movement of Delinquency Pool
Movement of Delinquency Pool (SMA 0 + SMA 1+ SMA 2 + NPA) * Amt in Crore Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Total 3675.53 4204.1 4886.04 4265.98 3979.09 3802.72 3618.98 Delinquency Outstanding 35559 36591 37155 38217 38773 39657 40694 13.15% 11.49% 11.16% 10.26% 9.58% 8.89% 10.34% Q1FY
Slide 33: NPA and Provision
NPA and Provision Gross NPA & Net NPA (%) Provision held * Amt in Crore 0.98 0.92 0.94 0.92 0.87 59 59 59 59 34 0.54 0.50 0.47 0.48 0.49 171 182 184 154 159 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q3 FY 24- 25 Q4 FY 24- 25 Q1 FY 25- 26 Q2 FY 25- 26 Q3 FY 25- 26 Provision for NPA
Slide 34: PCR with Management Overlay
PCR with Management Overlay * Amt in Crore Q3FY25 As % of GNPA Q3FY26 As % of GNPA Gross NPA 341 373 A. ECL Provision (Stage 3) 154 45% 184 49% B. Management Overlay 34 59 Total Provision available (A+B) 188 55% 243 65% C. Prov for Restructured Pool 48 40 Total Provision available (A+B+C) 236 69% 28
Slide 35: Shareholding Pattern
Shareholding Pattern As on 31.12.2025 SI No. Category shareholding as % 6.41 10.85 29.99 1 Promoter 29.99 12.52 2 Individual 19.16 2 Mutual Funds 21.50 4 Foreign Corporate Bodies 13.24 20.32 19.91 5 Bodies Corporate 10.53 6 Others 5.58 7 Grand Total 100.00 Promoter Mutual Funds Individual Foreign Co
Slide 36: ESG
ESG Social Environment Cyber Security & Data Privacy The Company has undertaken several sustainability initiatives to The Company has established a comprehensive Data Privacy and Cyber Security strengthen its commitment to environmental responsibility. Some of the Policy to protect sensitive informa
Slide 37: Sustainability Initiatives under CSR
Sustainability Initiatives under CSR Ecological Restoration and Water Conservation in Khyarsi Village, Jaunpur Block, Tehri Garhwal District, Uttarakhand Khyarsi Village is situated 41 km west of Tehri's district headquarters, 25 km from the state capital Dehradun, and 40 km from the Haridwar branch
Slide 38: Branch Network
Branch Network (249 BRANCH OFFICES) • Punjab – Jalandhar, Ludhiana, • Odisha – Bhubaneshwar , Mohali, Bathinda, Patiala Berhampur, Jharsuguda, Cuttack • Telangana – Hyderabad (13 • Chandigarh branches), Siddipet, Warangal, • Bihar – Patna, Darbhanga Karimnagar, Khammam, • Rajasthan – Alwar, Jaipur,
Slide 39: Thank You
THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and ini