Home First Finance Company India Ltd. · NSE:HOMEFIRST
Home First Finance Company India — Shareholder Meeting (June 2025)
30 slides from Home First Finance Company India's shareholder meeting presentation, Jun 25, 2025
Slide 1: Exchange filing cover letter for AGM presentation
HFFCIL/BSE/NSE/EQ/42/2025-26 Date: 25-06-2025 To, To, BSE Limited, The National Stock Exchange of India Limited, Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Mumbai- 400001. Mumbai- 400 051. Scrip Code- 543259 Scrip Symbol-
Slide 2: HomeFirst 16th Annual General Meeting
HomeFirst 16th Annual General Meeting 25th June, 2025 Presentation by: Manoj Viswanathan, MD & CEO
Slide 3: Safe Harbour
Safe Harbour Safe Harbour This presentation and the accompanying slides (the "Presentation"), which have been prepared by Home First Finance Company India Ltd. (the "Company"), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase
Slide 4: Presentation Agenda
Presentation Agenda Agenda Slide No About HomeFirst 04 FY25 Performance Summary 07 Opportunity & Drivers 12 Strategic Priorities 19 - Tech In Mind 20 - Scale & Growth 21 - Operational Efficiency 22 - Funding 23 - Risk Management 24 - ESG 25 Board of Directors 27 Management Team 28 01 AGM 2025 | Home
Slide 5: HomeFirst – Who are We?
HomeFirst – Who are We? Corporate Information Technology driven affordable housing finance company with pan-India presence. Hub and spoke distribution covering 80% of the affordable housing market in the country. Home loans to first time home buyers with predominant focus on families with a monthly
Slide 6: Our Customers: What is their story?
Our Customers Corporate Information Formal Salaried Informal Salaried Self Employed Customer 1 Customer 2 Customer 3 Age:34 / Location: Ankleshwar 68% Age:42 / Location: Ahmedabad 32% Age:27 / Location: Indore Salaried Self Employed Who are they? Applicant is a welder at a local factory with a Appli
Slide 7: Our Journey
Our Journey Corporate Information India ICRA / CARE India ICRA / CARE / CARE Rating CARE / ICRA Rating Ratings Rating Ratings India Ratings BBB- BBB+ A- A+ AA- AA- AA-(+ve) AA AA Apr’25: Raised ₹1,250 Cr through QIP 150+ Physical Branches AUM crosses ₹12,000 Crs 12,713 ₹ 12,713 Assets Under Manageme
Slide 8: Executive Summary | FY25 Highlights
Executive Summar y | FY25 FY25 Highlights y-o-y Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹12,713 Crs ₹4,805 Crs 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification +31.1% +21.2% 0 bps Spread(2) Opex to Assets DPD 30+ / POS 5.2% 2.7% 3.0%
Slide 9: Healthy Growth in Loan Book and Disbursements
Healthy Growth in Loan Book and Disbursements Business Updates Disbursement ( ₹Crs ) Last 5 Years Last 5 Quarters 4,805 1,273 3,963 1,163 1,177 1,193 1,102 6.7% q-o-q growth in Q4 3,013 disbursements 2,031 21.1% y-o-y growth in FY25 1,097 disbursements FY21 FY22 FY23 FY24 FY25 Q4FY24 Q1FY25 Q2FY25 Q
Slide 10: Consistent Portfolio Matrix | Mar '25
Consistent Portfolio Matrix | Mar ’25 Business Updates 15% 32% AUM by Product AUM by Occupation 1% Salaried Housing Loan Shop Loans Self Employed LAP Sharp focus on High ratio of 68% salaried customers 84% housing loans 86% 1% 14% 14% AUM by Credit history AUM by Ticket Size 12% Upto 5L Have Credit
Slide 11: Diversified funding profile at competitive Cost of Borrowing
Diversified funding profile at competitive Cost of Borrowing Business Updates DA Borrowings Mix and Cost of Borrowing trend Co-Lending ECB Total Borrowings 5,956 6,822 7,279 8,251 8,795 9,512 10,587 11,056 11,559 (₹Crs) (1) NCD NHB Refinance Mar'23 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar
Slide 12: Financial Highlights
Financial Highlights Business Updates Profit After Tax ( ₹Crs ) Net Worth ( ₹Crs ) Equity Raised 345 3 5 6 34 6 8 16 25 34 ( ₹Crs ) 382 306 2,521 2,521 Robust NW to 228 Strong profit growth 2,188 2,289 2,408 support growth (1) 105 2,121 2,121 97 1,817 174 88 92 83 1,574 1,381 100 Proforma NW post cap
Slide 13: Opportunity and Growth Drivers
Opportunity and Growth Drivers
Slide 14: Building blocks of strong affordable housing finance franchise in place
Building blocks of strong affordable housing finance franchise in place Growth Drivers 13 AGM 2025 | Home First Finance Company India Ltd.
Slide 15: India delivering consistent growth in GDP, per capita income
India delivering consistent growth in GDP, per capita income Growth Drivers India has been gaining prominence in the global economy with 10-year GDP CAGR of 6%... …and 10-year per capita $ PPP income CAGR of 8% PCI in $ PPP in ’000 14 AGM 2025 | Home First Finance Company India Ltd.
Slide 16: Strong growth drivers for affordable housing demand
Strong growth drivers for affordable housing demand Growth Drivers 1. Middle class segment growing faster than population 2. Increasing urban population, reducing household size Middle-class household segment (annual income of ₹2L – India’s urban population has been rising consistently – ₹10L) g
Slide 17: Large opportunity for affordable housing finance
Large opportunity for affordable housing finance Growth Drivers Low mortgage penetration in India and… …high shortage of affordable housing, presents huge opportunity for housing finance Cumulative affordable housing shortage in India is projected to reach 312 lakhs units by 2030. Financing oppo
Slide 18: HomeFirst is strategically focussed on states with higher per capita income
HomeFirst is strategically focussed on states with higher per capita income Growth Drivers Present in 13 states/ UTs covering ~81% of total affordable housing finance market • On $ PPP per-capita income basis, HomeFirst “focus” states are at $16,882, ~1.5x of India average of $11,1121. • HomeFirst s
Slide 19: IndiaStack Tech - Democratic and Inclusive Digital Network
IndiaStack Tech - Democratic and Inclusive Digital Network… Growth Drivers …providing levers for growth and productivity Improvemet 18 AGM 2025 | Home First Finance Company India Ltd.
Slide 20: Our Strategic Priorities
Our Strategic Priorities operational efficiency funding ESG risk management
Slide 21: Tech In Mind: Scalable Operating Model built on Holistic Technology Usage
Tech In Mind: Scalable Operating Model built on Holistic Technology Usage Strategic Priorities Leverage Technology to drive business growth, improve operational efficiency and manage risk • Technology is central to our strategic priorities and drives our competitive edge. • Leading the way in tech-e
Slide 22: Scale & Growth: Distribution Strategy
Scale & Growth: Distribution Strategy Strategic Priorities Pan India Distribution driven by strategic market selection & contiguous expansion Distribution Strategy • Go deeper in existing states with focus on high-density markets to scale business volumes, gain market share given our unique proposit
Slide 23: Operational Efficiency
Operational Efficiency Strategic Priorities • Productivity is at the core of our operations • Business processes are automated and streamlined encouraging focus on value-add rather than repetitive/ manual task • Sharper decision-making, stronger execution • Our high-performance culture to encourage
Slide 24: Funding: Positive ALM Profile
Funding: Positive ALM Profile Strategic Priorities Inflow Outflow Surplus 4,045 1,845 1,929 2,191 2,524 2,980 (₹Crs) Robust ALM profile ensuring 19,681 sufficient liquidity buffers 16,423 16,701 12,378 Cumulative 11,476 Positive flows 8,952 across all the time buckets 5,576 3,853 3,385 2,966 1,924 1,121 0-
Slide 25: Risk Management
Risk Management Strategic Priorities Core of our risk management is leveraging technology, highest governance & underwriting standard, zero tolerance on regulatory non-compliance Employees are well-trained to ensure transparency and fair lending practices to build stakeholder trust As we scale, we c
Slide 26: ESG
ESG Strategic Priorities ESG is a responsibility that is to be carried out with a real intent • Strong governance has been the backbone of our growth; backed by experienced and diverse leadership team with expertise across tech, inclusion, and risk ensures that ESG principles are integrated into eve
Slide 27: Distinguished Board & Strong Management Team
Distinguished Board & Strong Management Team
Slide 28: Distinguished Board of Directors
Distinguished Board of Directors Leadership Independent Directors Deepak Satwalekar Geeta Dutta Goel Anuj Srivastava Mukherjee Current: Independent Director at Wipro Current: Head of growth initiatives at Current: Founder and CEO of Livspace Current: Founder and CEO of Kaleidofin Dell Foundation, In
Slide 29: Experienced Management Team
Experienced Management Team Leadership Manoj Viswanathan Ajay Khetan Gaurav Mohta Chief Executive Officer Dy. Chief Executive Officer Chief Marketing Officer and Chief Business Officer 15 27 13 25 14 22 Education: B-Tech BITS, Pilani and PGDM XLRI Education: MNNIT Allahabad and PGDM XIM-B Education:
Slide 30: Thank You
Thank You For further information, please contact Mr. Deepak Khetan, Head - Investor Relations Deepak.khetan@homefirstindia.com Investor Relations - HomeFirst investor.relations@homefirstindia.com CIN: L65990MH2010PLC240703
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