Home First Finance Company India Ltd. · NSE:HOMEFIRST
Home First Finance Company India — Shareholder Meeting (June 2026)
33 slides from Home First Finance Company India's shareholder meeting presentation, Jun 24, 2026
Slide 1: Exchange filing cover letter for AGM presentation
HFFCIL/BSE/NSE/EQ/32/2026-27 Date: 24-06-2026 To, To, BSE Limited, The National Stock Exchange of India Limited, Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Dalal Street, Fort, Mumbai- 400001. Bandra (E), Mu
Slide 2: Home First's 17th Annual General Meeting
Home First’s 17th Annual General Meeting 24th June, 2026 Presentation by: Manoj Viswanathan, MD & CEO
Slide 3: 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 or subscribe
Slide 4: Presentation Agenda
Presentation Agenda Slide No About HomeFirst 04 FY26 Performance Summary 10 Opportunity & Drivers 15 Strategic Priorities 22 - Tech In Mind 23 - Scale & Growth 24 - Operational Efficiency 25 - Funding 26 - Risk Management 27 - ESG 28 Board of Directors 30 Management Team 31 3 AGM 2026 | Home First F
Slide 5: HomeFirst – Who are We?
HomeFirst – Who are We? • 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 income of < Rs 50,000
Slide 6: Shareholding as on June'26
Shareholding as on 19 June’26 DIIs % Holding* FIIs & FPIs % Holding* Fidelity International 9.5 HDFC Mutual Fund 7.4 16.2% Capital Group 8.0 Kotak Mutual Fund 5.2 Norges Bank Investment Management 5.3 True North Fund V LLP 4.7 Vanguard Group 3.6 34.1% Aditya Birla Sunlife Mutual Fund 2.2 Internation
Slide 7: Our Customers
Our Customers Self-Employed Self-Employed Self-Employed Customer 1 Customer 2 Customer 3 Age: 32 / Location: Jaipur, Rajasthan Age: 55 / Location: Bangalore, Karnataka Age: 42 / Location: Gorakhpur, Uttar Pradesh Who are they? Applicant is the owner of a court marriage Applicant is engaged in the fl
Slide 8: Our Customers
Our Customers Self-Employed Formal Salaried Self-Employed Customer 4 Customer 5 Customer 6 Age: 36 / Location: Ankleshwar, Gujarat Age: 38 / Location: Dehradun, Uttarakhand Age: 42 / Location: Hyderabad, Telangana Who are they? Applicant is a labour contractor and self-employed tiles Applicant is wo
Slide 9: Our Customers
Our Customers Formal Salaried Self-Employed Formal Salaried Customer 7 Customer 8 Customer 9 Age: 29 / Location: Ratlam, Madhya Pradesh Age: 35/ Location: Ahmednagar, Maharashtra Age: 42 / Location: Tirupur, Tamil Nadu Who are they? Applicant is serving in the Indian Army with an income of Applicant
Slide 10: Our Journey
Our Journey 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 Raised ₹1,250 Cr through QIP AUM crosses ₹150 bn. 150+ Physical 158,777 1,58,777 Branches AUM crosses ₹ Mn ₹120 bn. 127,127 Assets Under Managemen
Slide 11: Executive Summary | FY26
Executive Summary | FY26 y-o-y Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,58,777 Mn ₹54,236 Mn 1.8% +24.9% +12.9% +10 bps Spread(1) Opex to Assets DPD 30+ / POS 5.3% 2.7% 3.2% +10 bps 0 bps +20 bps Profit After Tax (PAT) Return On Assets (ROA) Return On Equity (ROE) (2)
Slide 12: Healthy Growth in Loan Book and Disbursements
Healthy Growth in Loan Book and Disbursements Disbursement ( ₹Mn ) Last 5 Years Last 5 Quarters 54,236 15,724 48,053 23.5% growth y-o-y 39,634 19.3% growth q-o-q 12,731 12,894 13,184 30,129 12,435 20,305 FY22 FY23 FY24 FY25 FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Assets Under Management ( ₹Mn ) Last
Slide 13: Consistent Portfolio Metrics | Mar'26
Consistent Portfolio Metrics | Mar’26 16% 32% AUM by Product AUM by Occupation 1% Housing Loan Salaried Shop Loans Self Employed LAP Sharp focus on High ratio of 83% housing loans 68% salaried customers 87% 1% 17% 13% AUM by Credit history AUM by Ticket Size Upto 0.5mn AVG: 748 Have Credit History 1
Slide 14: Diversified funding profile at competitive Cost of Borrowing
Diversified funding profile at competitive Cost of Borrowing Borrowing Mix and Cost of Borrowings trend DA Co-Lending ECB NCD NHB Refinance NBFC Public Sector Banks Pvt Sector Banks COB% (Represents quarterly avg.) 87,954 95,120 1,05,869 1,10,559 1,15,592 1,18,474 1,19,716 1,24,481 1,32,840 Total Bor
Slide 15: Financial Highlights
Financial Highlights Profit After Tax ( ₹Mn ) Net worth ( ₹Mn ) Equity Raised 32 53 62 337 13,172 337 12,495 12,715 12,940 13,172 5,404 ( ₹Mn ) 1,494 1,402 1,318 3,821 42.7% growth y-o-y 43,565 1,189 41,803 43,565 Robust NW to 3,057 38,551 40,144 1,047 6.6% growth q-o-q support growth (1) 2,283 25,21
Slide 16: Opportunity and Growth Drivers
Opportunity and Growth Drivers
Slide 17: India's Macro Remain Resilient
India’s Macro Remain Resilient • While global risks remain elevated, India's macroeconomic resilience has strengthened significantly over the past decade. • Diversified oil import sources, a sharply improved current account position, strong FX reserves, and a broader export mix have reduced external
Slide 18: India's Middle Class – Income growth & high Urbanisation
India’s Middle Class – Continues to show Income growth & high Urbanisation • India’s housing demand is increasingly shaped by its demographic advantage & further conversion of that demographic potential into income growth & credit eligibility. • It is not just a story of population size – but of inc
Slide 19: India's Tech Stack – High quality data, improving credit analysis
India’s Tech Stack – Continues to get high quality data, improving credit analysis • India did not build a digital economy but a digital civilization infrastructure. Its digital infrastructure has not just improved financial access but has also created an entirely new category of assessable borrower
Slide 20: The Policy Push for Housing – Government led enabling Architecture
The Policy Push for Housing – Government led enabling Architecture • India’s government has, over the past decade, progressively repositioned itself as a facilitator in the affordable housing cycle through a suite of interventions. • Beyond housing-specific interventions, continued public investment
Slide 21: India's Affordable Housing Finance Industry - Structure & Growth
India’s Affordable Housing Finance Industry - Structure & Growth • Total housing loan outstanding stood at ~₹43.5 lakh cr as at end of March 2026, and is projected to reach ₹56 lakh cr by FY28 by CRISIL. • Within this, the affordable housing finance segment (loans in the ₹5–40 lakh ticket size range
Slide 22: Expanded TAM - Natural progression in Ticket size on account of Inflation
Expanded TAM - Natural progression in Ticket size on account of Inflation • What appears to be a shift away from affordable housing is, in reality, affordable housing evolving with inflation - and the Total Addressable Market (TAM) is now larger than it looks. • The Housing Price Index (HPI) has gro
Slide 23: Our Strategic Priorities
~~ \ Our Strategic Priorities € This section highlights how Home First Finance internalizes its core principles and values in practice, in line with its vision and mission. Our strategic priorities form a comprehensive framework that defines our focus and direction, and provides an update on our pro
Slide 24: Tech In Mind: Building a Scalable, Intelligent Data Backbone
Tech In Mind: Building a Scalable, Intelligent Data Backbone • Technology powers the entire home loan journey, enabling a seamless experience from customer acquisition to loan disbursal • AI & voice-enabled capabilities across core platforms is driving efficiencies across lead generation, verificati
Slide 25: Scale & Growth: Serving Markets with Sustained Economic Momentum
Scale & Growth: Serving Markets with Sustained Economic Momentum • Expansion is guided by data-led framework anchored in factors such as income levels, industrialization, and growth potential. • The affordable housing opportunity remains strong, with inflation-led ticket size expansion rather than a
Slide 26: Operational Efficiency: Building a highly Productive and Empowered Workforce
Operational Efficiency: Building a highly Productive and Empowered Workforce • Empowering teams through technology, upskilling, and process excellence. • Automating routine tasks to maximize customer-facing productivity. • Sustaining performance through clear accountability and continuous capability
Slide 27: Funding: Stable, Diversified & Cost-efficient
Funding: Stable, Diversified & Cost-efficient • Funding strategy aligned with underlying portfolio duration through a long-term liability framework. Raised ₹ 4,789 cr through various modes in FY26, enabling stable access to capital. • As of Mar’26, company had funding relationship with 31 entities,
Slide 28: Risk Management: Proactively managing credit, operational and reputational risks
Risk Management: Proactively managing credit, operational and reputational risks • Combining technology with qualitative assessment to maintain high underwriting standards and strong risk discipline • Ensure employees are well-trained in risk management practices, regulatory requirements, and handli
Slide 29: ESG: A commitment to responsible growth
ESG: A commitment to responsible growth • Sustainability at Home First is embedded into how we operate, with a focus on creating long-term value while being mindful of the impact of our actions across stakeholders. • From enabling green homes for our customers to digitizing our end-to-end product li
Slide 30: Distinguished Board & Strong Management Team
Distinguished Board & Strong Management Team
Slide 31: Distinguished Board of Directors
Distinguished Board of Directors Current: Independent Director at Equitas SFB, Niva Bupa Health Insurance, ELDECO Current: Co-Founder and Chairman of Current: Founder and CEO of Kaleidofin Current: Independent Director at Wipro Infrastructure and Properties. Promoter at Livspace Translation Endeavor
Slide 32: Experienced Management Team
Experienced Management Team Education: B-Tech BITS, Pilani and PGDM Education: MNNIT Allahabad and PGDM Education: B-Tech Nagpur University and Education: B Com Goenka College, XLRI XIM-B MBA ICFAI Business School Chartered Accountant Experience: Asian Paints, Citibank, Experience: Citibank, Macquar
Slide 33: Thank You
Thank You For further information, please contact Ms Nutan Gaba Patwari – Chief Financial Officer nutangaba.patwari@homefirstindia.com Mr. Sunil Anjana, Head – Treasury and Investor Relations sunil.anjana@homefirstindia.com Investor Relations - HomeFirst investor.relations@homefirstindia.com CIN: L659
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