Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q2 FY27 Earnings Presentation
65 slides from Can Fin Homes's earnings presentation, Oct 14, 2026
Slide 1: Submission of Investor Presentation Post Q2 FY27 Results - Revised
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 196/2026 October 14, 2
Slide 2: Delivering Dreams. Driving Growth. Q2FY27 Investor Presentation
DELIVERING DREAMS. Q2FY27 Investor Presentation DRIVING GROWTH.
Slide 3: 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 4: Journey So Far
Can Fin Homes Limited Journey So Far • Best Digital Transformation Initiative in the Housing Finance segment AUM crossed AUM crossed accolade by Quantic India. ` 40,000 Cr. `20,000 Cr in • PAT Crossed ` 1000 Crores in Dec. 2025 December 2019. • 250th Branch at Thane, Maharashtra 2026 2025 2019 Right
Slide 5: Journey So Far: Reinforce, Rebuild, Reach Higher
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 6: 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 7: Credit Rating
Can Fin Homes Limited Credit Rating Position as on 30/09/2026 Borrowings CARE ICRA IND Ra Term Loans (Long Term Loan) AAA/Stable AAA/Stable Term Loans (Short Term Loan) A1+ NHB Borrowings AAA/Stable AAA/Stable Commercial Papers (CPs) A1+ A1+ Non-Convertible Debentures (NCDs) AAA/Stable AAA/Stable AA
Slide 8: Board of Directors
Can Fin Homes Limited Board of Directors Shri Hardeep Singh Shri Suresh S Iyer Ahluwalia Managing Director & Non-Executive Director Shri Ajai Kumar CEO Director (Independent) (Promoter) Smt Varsha Shri Arvind Vasant Purandare Shri Murali Narayan Ramaswami Director (Independent) Yennemadi Director (I
Slide 9: Experienced Management Team
Can Fin Homes Limited Experienced Management Team Shri Prakash Shri A Uthaya Shri Nilesh Jain Shanbhogue Kumar Company Secretary President - Business President - Assurance and and Head - Board Total Exp: 33 Years Chief Risk Officer (CRO) Secretariat Service in Can Fin - Total Exp: 32 Years Total Exp
Slide 10: Business Overview
Can Fin Homes Limited Business Overview 9
Slide 11: Consistent Business Performance
Can Fin Homes Limited Consistent Business Performance 1,200 PAT ` in Crore GNPA 1.0 1,000 0.8 800 0.6 600 0.4 400 200 0.2 0.85% 0.62% 0.76% 0.91% 0.64% 0.55% 0.82% 0.87% 1,086 0.21% 0.43% 0.19% 297 374 456 470 621 750 857 235 287 157 0 0.0 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 FY16
Slide 12: Roadmap - 2028
Can Fin Homes Limited Roadmap - 2028 Geographical Concentration (Incremental Disbursement) March-23 June-26 Sept-26 Mar-28 (Proj) 28% 35% 34% 72% 65% 40% 60% 66% Rest of India South Product Mix (AUM) March-23 June-26 Sept-26 Mar-28 (Proj) 11% 17% 16% 20% 89% 83% 84% 80% NHL HL 11
Slide 13: Roadmap - 2028
Can Fin Homes Limited Roadmap - 2028 Segment Mix (AUM) March-23 June-26 Sept-26 Mar-28 (Proj) 22% 32% 33% 35% 78% 68% 67% 65% SENP Salaried Sourcing Mix (Incremental Disbursement) March-23 June-26 Sept-26 Mar-28 (Proj) 9% 10% 14% 10% 11% 11% 10% 86% 20% 60% 80% 79% Digital DSA Direct (Walk-ins) Mark
Slide 14: Digital Acceleration & Strategy
Can Fin Homes Limited Digital Acceleration & Strategy 13
Slide 15: Responsible Lending Practices
Can Fin Homes Limited Responsible Lending Practices On Boarding Outsourcing Lead Generation Due Diligence Legal verification Valuation Through Website, • CKYC UIDAI linked verification Through empanelled • Through professional Customer Referral, • Bank account verification through Advocate, Cross Va
Slide 16: Responsible Lending Practices
Can Fin Homes Limited Responsible Lending Practices Documentation Storage of Loan Dockets Repayment Pre-filled System Centralised Document Storage. Collection Generated • Vetting of security documents • Through E -NACH, Salary documents ready with alternate empanelled deduction. for execution advoca
Slide 17: Transforming the homeownership journey with automation
Can Fin Homes Limited Transforming the homeownership journey with the brilliance of automation 16
Slide 18: Project Tejas
Can Fin Homes Limited PROJECT TEJAS It gives me immense pleasure to announce the successful completion of the IT Transformation Program at Can Fin Homes Limited, a landmark initiative that represents a significant milestone in our journey towards becoming a more agile, customer-centric, and digitall
Slide 19: Digital Framework
Can Fin Homes Limited Digital Framework Driving Growth through Intelligent, Secure & Customer-Centric Digital Capabilities Aadhaar Data Document Business Risk Mgmt / ALM CB & I Vault Management Sys. Deposits Applications Finance & Lift and Shift All Modules Live Accounting (CKYC, ADF,
Slide 20: 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 21: Impact of Project Tejas
Can Fin Homes Limited Impact of PROJECT TEJAS Avg Disb. Q1 Impact on Month of Impact # of Branches July 2026 Aug 2026 Sept 2026 FY27 Disbursements July 2026 5 29.22 9.94 24.22 20.36 33.14 Aug 2026 75 150.85 165.02 33.85 118.28 177.91 Sept 2026 77 253.82 269.74 255.59 108.83 146.76 Oct 2026 95 435.67
Slide 22: Business Highlights
Can Fin Homes Limited Business Highlights 21
Slide 23: Performance Highlights - Q2 FY27
Can Fin Homes Limited Performance Highlights - Q2 FY27 Loan Book Net Interest Income PBT 50,000 (` in crore) 600 (` in crore) 500 (` in crore) 400 40,000 450 30,000 300 300 20,000 200 150 10,000 100 43,539 36,591 39,657 340 404 274 332 431 347 0 0 0 Q2 FY 25 Q2 FY 26 Q2 FY 27 Q2 FY 25 Q2 FY 26 Q2 FY
Slide 24: Performance Highlights - Q2 FY27
Can Fin Homes Limited Performance Highlights - Q2 FY27 25 RoE 35 EPS Cost to Income (`) 25 Ratio 30 20 20 25 15 15 20 15 10 10 10 5 5 17.10% 18.55% 19.59% 17.99% 18.41% 17.12% 5 15.88 18.88 20.62 0 0 0 Q2 FY 25 Q2 FY 26 Q2 FY 27 Q2 FY 25 Q2 FY 26 Q2 FY 27 Q2 FY 25 Q2 FY 26 Q2 FY 27 DER GNPA Net NPA
Slide 25: Performance Highlights - Q2FY27
Can Fin Homes Limited Performance Highlights - Q2FY27 ` in Crore Period Ended SI. Particulars No. Sept'26 (3m) Sept'25 (3m) Jun'26 (3m) 1 New Approvals 2604 2680 2795 2 Disbursements 2373 2545 2609 3 Outstanding Loan Book 43539 39657 42961 4 Net Interest Income 431 404 427 5 Operating Profit 355 335
Slide 26: Key Financial Ratios - Q2FY27
Can Fin Homes Limited Key Financial Ratios - Q2FY27 Period Ended SI. Particulars No. Sept'26 (3m) Sept'25 (3m) Jun'26 (3m) 1 Return on Avg. Assets (%) 2.42% 2.46% 2.39% 2 Return on Avg. Equity (%) 17.12% 18.41% 17.15% 3 Earnings Per Share (`) 20.62 18.88 20.12 4 Net Interest Margin (%) 3.89% 4.02% 3
Slide 27: Performance Highlights - H1 FY27
Can Fin Homes Limited Performance Highlights - H1 FY27 ` in Crore SI. Year on Year (As per IND AS) Particulars No. Sept’26 (6m) Sept'25 (6m) Growth (%) 1 New Approvals 5399 4739 14% 2 Disbursements 4982 4560 9% 3 Outstanding Loan Book 43539 39657 10% 4 Net Interest Income 859 767 12% 5 Operating Pro
Slide 28: Portfolio Composition & Mix
Can Fin Homes Limited Portfolio Composition & Mix 27
Slide 29: Segment wise AUM, Product wise AUM
Can Fin Homes Limited Segment wise AUM AUM Q2FY 26 AUM Q2FY 27 1% 1% 14% 13% Sal - Govt. 30% 32% Sal - PSU/Banks Sal - Private 1% 54% 53% SENP Prof 1% Product wise AUM AUM Q2FY 26 AUM Q2FY 27 2% 2% 7% 6% 9% 5% Housing 11% 12% Housing CRE LAP and Mort 74% Top-up 72% Others 28
Slide 30: Purpose wise AUM, Ticket Size wise AUM
Can Fin Homes Limited Purpose wise AUM AUM Q2FY 26 AUM Q2FY 27 1% 7% 2% 6% 9% 17% 18% 5% 7% 6% Construction Flat Resale 61% 61% Renovation Mort + LAP + Top-up Others Ticket Size wise AUM AUM Q2FY 26 AUM Q2FY 27 1% 1% 7% <20 Lakhs 9% 20-35 Lakhs 14% 41% 16% 32% 35-50 Lakhs 50-100 Lakhs 37% >100 Lakhs
Slide 31: Loan Amount Wise Disbursement and AUM
Can Fin Homes Limited Loan Amount Wise Disbursement and AUM Disbursement AUM H1 FY26 Sept 25 H1 FY27 Sept 26 43% 44% 34% 34% 29% 31% 26% 28% 27% 28% 22% 21% 10% 12% 6% 6% 0-10L 10-20L 20-30L >30L 0-10L 10-20L 20-30L >30L 30
Slide 32: The Sourcing Funnel
Can Fin Homes Limited The Sourcing Funnel 31
Slide 33: Growth Catalysts
Can Fin Homes Limited Growth Catalysts FY 2025 FY 2026 H1 FY 2027 130 179 826 560 883 564 8308 8822 3858 Business from Old Branches New Branches Sales Team (` In Crore) Sourcing Channel FY25 FY26 H1FY27 Business from old branches 8308 8822 3858 Sales Team 130 883 564 New Branches (Opened after Mar 2
Slide 34: Sourcing Mix
Can Fin Homes Limited Sourcing Mix FY24 FY25 FY26 H1FY27 Active DSAs 1184 1245 1695 1879 Total Disbursement (Crores) 8117 8568 10531 4982 Total DSA Sourced Amount (Crores) 6669 6832 8404 3948 % Share of Total Business 82% 80% 80% 79% Share of Top-20 DSAs Amount (Crores) 844 878 841 405 % Share of To
Slide 35: Zone wise Contribution - Q2FY26
Can Fin Homes Limited Zone wise Contribution - Q2FY 26 Zone wise Branches Zone wise Disbursement Zone wise AUM (`2,545 Cr.) 8% (19) 0%21% 11% 0% 17% 20% 19% 0% 17% (50) 0% (40) 16% 14% 0% 0% 14% 22% 0% 15% 19% (51) 9% (44) 29% 9% 28% 0% 13% 0% 0% 0% (30) North West East Karnataka North West East Kar
Slide 36: Zone wise Contribution - Q2FY27
Can Fin Homes Limited Zone wise Contribution - Q2FY 27 Zone wise Branches Zone wise Disbursement Zone wise AUM (`2,373 Cr.) 9% (25) 0%20% 10% 0% 0% 18% 0% (53) 0% 23% 0%17% 18% (50) 17% 0% 0% 14% 15% 0% 22% 14% 16% (58) 28% 27% 9% (46) 0% 15% 0% 0% 8% 0% (42) North West East Karnataka North West Eas
Slide 37: Branch Expansion
Can Fin Homes Limited Branch Expansion Zone Branches Prior to March 2023 New Branches After 2023 Count Count North 27 23 West 38 21 East 26 16 Karnataka 42 3 Tamil Nadu 36 17 Telangana 19 6 Total 188 86 36
Slide 38: Lending Basket
Can Fin Homes Limited Lending Basket Category-Wise Product-Wise Distribution of Loan Book ` in Crore Sl. No. Particulars Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 1 Salaried & Professionals i) Housing Loans 24,255 24,379 24,909 24,241 24,388 ii) Repairs & Renovation 548 670 695 819 824 iii) Mortgage Loans
Slide 39: Funding Basket
Can Fin Homes Limited Funding Basket Funding Mix @ Sept 2025 (as %) Funding Mix @ Sept 2026 (as %) Structure wise breakup 1% of borrowings (` In Crore) 1% Particulars Q2 FY27 6% 6% NCD 5,624.59 14% 22% CP 2,472.52 57% Deposit 238.70 14% NHB 5,568.11 14% 65% Bank borrowings Repo linked 15,537.44 Spec
Slide 40: Financial Strength
Can Fin Homes Limited Financial Strength 39
Slide 41: Yield, Cost, NIM and Spread
Can Fin Homes Limited Yield, Cost, NIM and Spread (As at the end of each quarter) 10.09% 10.08% 10.06% 9.81% 9.83% 7.29% 7.26% 7.20% 6.98% 7.01% 3.93% 3.89% 3.89% 3.88% 3.83% 2.86% 2.83% 2.82% 2.79% 2.82% Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27 Q2 FY 26-27 Yield Cost NIM Spread 40
Slide 42: Share of Annual Reset Loans to AUM
Can Fin Homes Limited Share of Annual Reset Loans to AUM Particulars (for the quarter) Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Yield 10.08% 10.07% 9.99% 9.81% 9.84% Cost of Funds 7.17% 7.14% 7.07% 6.98% 7.03% Spread 2.91% 2.93% 2.92% 2.83% 2.81% Benchmark Rate 9.35% 9.25% 9.10% 9.10% 9.10% Annual Reset L
Slide 43: Movement of Delinquency Pool
Can Fin Homes Limited Movement of Delinquency Pool ` in Crore Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Total Delinquency 3,802 3,618 3,375 3,442 3,661 Outstanding 39,657 40,693 42,209 42,961 43,539 % 9.58% 8.89% 7.99% 8.01% 8.41% 9.58% 8.89% 8.41% 7.99% 8.01% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 42
Slide 44: NPA and Provision
Can Fin Homes Limited NPA and Provision Gross NPA & Net NPA Provision held (%) ` in Crore 59 59 59 0.94 0.92 0.90 0.85 0.87 59 59 210 205 207 182 184 0.48 0.49 0.40 0.42 0.37 Q2 FY 25- 26 Q3 FY 25- 26 Q4 FY 25- 26 Q1 FY 26- 27 Q2 FY 26-27 Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27 Q2 FY26-27 GN
Slide 45: Total Provisions Held
Can Fin Homes Limited Total Provisions Held ` in Crore Balance as on Provision as per Provision as per Asset Classification ECL Stages 30 Sept 2026 IRAC ECL model Standard Asset 1 39879 SMA 0 1 1354 187 213 SMA 1 2 1082 SMA 2 2 832 NPA 3 392 186 207 Total Portfolio 43539 373 420 Undisbursed Loan Com
Slide 46: PCR with Management Overlay
Can Fin Homes Limited PCR with Management Overlay ` in Crore Particulars H1 FY26 As % of GNPA H1 FY27 As % of GNPA Gross NPA 373 392 A. ECL Provision (Stage 3) 182 49% 207 53% B. Management Overlay 59 59 Total Provision available (A+B) 241 65% 266 68% C. Prov for Restructured Pool 40 40 Total Provis
Slide 47: 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) Q2 FY 23 27538 2275 990 28823 3.69% Q3 FY 23 28823 2408 1116 30115 4.05% Q4 FY 23 30115 2538 1090 31563 3.68% Q1 FY 24 31563 1966 102
Slide 48: Shareholding Pattern
Can Fin Homes Limited Shareholding Pattern As on 30.09.2026 10.64% Shareholding Category as % 10.19% 29.99% Promoter 29.99 Mutual Funds 14.99 12.51% Individual 21.68 21.68% 14.99% Foreign Corporate 12.51 Bodies Bodies Corporate 10.19 Others 10.64 Grand Total 100.00 Promoter Foreign Corporate Bodies
Slide 49: Environmental, Social and Governance (ESG)
Can Fin Homes Limited Environmental, Social and • The Company has also conducted a climate risk assessment to identify and evaluate both physical and transition risks associated with climate change. Governance (ESG) • The Company has phased out all old two-wheelers with higher emission levels throug
Slide 50: ESG: Employee Awareness and Training
Can Fin Homes Limited • The Company circulated ESG awareness posters via email on various • The Company successfully conducted training programs covering sustainability themes, including environmental conservation, social a diverse range of topics, reaching approximately 89% of its responsibility, w
Slide 51: ESG: Community Outreach and Governance
Can Fin Homes Limited • The Company introduced “PMAY Lantern Nights”, a community • The Company has established a robust risk management framework outreach initiative under PMAY-U 2.0, leveraging the ‘Golden and internal financial controls system to identify, assess, monitor, Hour’ (6:30 p.m. to 9:0
Slide 52: ESG Rating
Can Fin Homes Limited ESG Rating Sr. No ESG Rating Provider (ERP) ESG Rating Rating category 1. Niche Ninety-Nine Capability and Certifications (OPC) Private Limited 75 Leader 2. NSE Sustainability Ratings and Analytics Limited 72 Leader 3. CRISIL ESG Ratings & Analytics Limited – Category I Crisil
Slide 53: Sustainability Initiatives under CSR
Can Fin Homes Limited Sustainability Initiatives under CSR Can Fin Homes Powers Government Schools with Bigas and Organic Composting Organic Waste Composting and Biogas Systems have been installed at three residential schools in Doddaballapur, Bengaluru: Morarji Desai Residential School, Kitturu Ran
Slide 54: Sustainability Initiatives under CSR
Can Fin Homes Limited Sustainability Initiatives under CSR Honoured with the CSR Excellence Award by the Governor of Telangana for powering the Hyderabad Blood Centre with solar infrastructure. This project ensures uninterrupted, sustainable energy for critical, life-saving blood banking operations.
Slide 55: 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 56: Our Network
Can Fin Homes Limited Our Network 55
Slide 57: States / UT branch offices
Can Fin Homes Limited 21 States / UT 274 branch offices Punjab (5) Chandigarh (1) Uttarakhand (3) Haryana (14) Faridabad Delhi (3) Jaipur Uttar Pradesh (24) Rajasthan (20) Bihar (2) West Bengal (1) Madhya Pradesh (12) Gujarat (8) Chhattisgarh (6) Odisha (4) Maharashtra (18) Telangana (25) Hyderabad
Slide 58: Branch Network
Can Fin Homes Limited Branch Network ANDHRA PRADESH KARNATAKA MADHYA PRADESH TAMIL NADU Amalapuram, Anantapur, Bapatla, Ballari, Belgaum, Bengaluru Bhopal, Gwalior, Batlagundu, CBE - P N Palyam, Chennai Bhimavaram, Bobbili, Chittoor, Eluru, (31 branches), Chikkaballapur, Indore Airport Road, (9 bran
Slide 59: Meet Paarth
Can Fin Homes Limited Meet PAARTH The embodiment of true Canfinite spirit. Sharp on Compliance. Driven by Service. Laser-Focused on Growth. 58
Slide 60: Paarth in action - Guiding our communication
Can Fin Homes Limited Paarth in action - Guiding our communication 59
Slide 61: Information and Cybersecurity Initiatives
Can Fin Homes Limited Information and Cybersecurity Initiatives • Conducted company-wide phishing simulations, new-joiner branch • Developed and distributed a comprehensive Information Security inductions, and annual information security refresher training to Guidelines Handbook to all employees acr
Slide 62: Notes
Can Fin Homes Limited Notes 61
Slide 63: Notes
Can Fin Homes Limited Notes 62
Slide 64: Disclaimer
Can Fin Homes Limited The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors in- cluding the future changes or developments, the competitive environment, ability to implement the stra
Slide 65: Can Fin Homes Ltd - Home Loans + Deposits
Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS + DEPOSITS Translating Dreams inlo Reality