Can Fin Homes Limited submitted an investor presentation to the stock exchanges detailing its Q1 FY27 financial and operational performance, along with strategic updates and ESG initiatives.

Financial Performance - Q1 FY27

  • New Approvals: ₹2,795 crore, up 36% YoY (₹2,059 crore in Q1 FY26)
  • Disbursements: ₹2,609 crore, up 29% YoY (₹2,015 crore in Q1 FY26)
  • Outstanding Loan Book: ₹42,961 crore, up 11% YoY (₹38,773 crore in Q1 FY26)
  • Net Interest Income: ₹427 crore, up 18% YoY (₹363 crore in Q1 FY26)
  • Operating Profit: ₹352 crore, up 16% YoY (₹304 crore in Q1 FY26)
  • ECL Provision: ₹13 crore, down 50% YoY (₹26 crore in Q1 FY26)
  • Profit Before Tax: ₹339 crore, up 22% YoY (₹278 crore in Q1 FY26)
  • Profit After Tax: ₹268 crore, up 20% YoY (₹223 crore in Q1 FY26)
  • Gross NPA: ₹376 crore (₹378 crore in Q1 FY26)
  • Gross NPA Ratio: 0.87% (0.98% in Q1 FY26)
  • Net NPA (excluding management overlay): ₹180 crore (₹208 crore in Q1 FY26)
  • Net NPA Ratio (excluding management overlay): 0.42% (0.54% in Q1 FY26)

Key Financial Ratios - Q1 FY27

  • Return on Average Assets: 2.39% (2.19% in Q1 FY26)
  • Return on Average Equity: 17.15% (16.93% in Q1 FY26)
  • Earnings Per Share: ₹20.12 (₹16.81 in Q1 FY26)
  • Net Interest Margin: 3.81% (3.64% in Q1 FY26)
  • Yield on Loan Portfolio: 9.81% (10.09% in Q1 FY26)
  • Cost of Borrowing: 6.98% (7.47% in Q1 FY26)
  • Spread: 2.83% (2.62% in Q1 FY26)
  • Cost Income Ratio: 19.52% (18.33% in Q1 FY26)
  • Debt Equity Ratio: 6.18 (6.71 in Q1 FY26)

Business Highlights

  • Sourcing Channels: Total disbursement of ₹2,609 crore in Q1 FY27 comprised of ₹2,034 crore from old branches, ₹276 crore from sales team, and ₹299 crore from new branches
  • Portfolio Composition: 68% salaried & professionals (₹29,048 crore), 32% non-salaried class (₹13,873 crore)
  • Product Mix: Housing loans (₹34,354 crore), mortgage loans (₹3,716 crore), top-up loans (₹1,839 crore), repairs & renovation (₹1,354 crore), loans for sites (₹1,404 crore), others (₹254 crore)
  • Funding Profile: Total borrowings of ₹38,641 crore with structure including NCD (₹5,515 crore), CP (₹2,971 crore), deposits (₹227 crore), NHB (₹5,945 crore), and various bank borrowings (₹23,983 crore)
  • Asset-Liability Mix: Fixed assets ₹2,364 crore, floating assets ₹42,704 crore; Fixed liabilities ₹11,604 crore, floating liabilities ₹27,037 crore

Asset Quality & Provisions

  • Total Delinquency Pool: ₹3,442 crore (8.01% of portfolio) compared to ₹3,979 crore (10.26%) in Q1 FY26
  • Total Provisions Held: ₹509 crore comprising ECL provision (Stage 3: ₹205 crore), management overlay (₹59 crore), provision for restructured accounts (₹40 crore), and provision for standard asset and undisbursed loan commitment (₹205 crore)
  • PCR with Management Overlay: 81% (74% in Q1 FY26)
  • Run Down Ratio: 4.40% in Q1 FY27 (3.81% in Q1 FY26)

Digital Transformation Status

The company provided updates on its IT transformation initiatives:

  • Implemented Systems: Risk Mgmt. & ALM (Q2 FY26), Treasury (Q2 FY26), Finance & Accounting Sprint-1 (Q2 FY26), HRMS (Q3 FY26), Aadhaar Data Vault (Q3 FY26), Document Management System (Q3 FY26), Finance & Accounting Sprint-2 (Q4 FY26), Deposits (Q4 FY26)
  • Pilot Phase Systems: Reports (Q1 FY27), Loan Origination System (Q1 FY27), Loan Management System (Q1 FY27)
  • Infrastructure: Cloud setup with Amazon Web Services, Active Directory with AWS & Microsoft, SD-WAN with Fortinet, NOC with MotaData, SOC with DNIF, ITSM with MotaData

Strategic Framework

The presentation outlined a three-pillar strategy:

  • Reinforce: Continue focus on growth, asset quality, profitability, liquidity, governance, and due diligence
  • Rebuild: Evolve with technology integration while maintaining proven processes, thrust on direct sourcing
  • Reach Higher: Expand sourcing channels, ensure environmentally friendly products and services

ESG Initiatives

The company highlighted several sustainability initiatives:

  • Environmental: 25-kW rooftop solar system at registered office (8,140 kWh generated in FY26), rooftop solar loan scheme, e-waste recycling (0.88 tonnes), LED lighting conversion, motion-sensor lighting, climate risk assessment, waste segregation, rainwater harvesting
  • Social: Increased female recruitment by 16.67%, training programs covering 89% of workforce, CSR initiatives in animal welfare, education, healthcare, etc., comprehensive employee benefits, customer feedback mechanism, Can Fin Vishwas product for marginalized groups
  • Governance: IT transformation, cybersecurity framework, risk management framework, ESG Sub-Committee, investor call transcripts on website

ESG Ratings

  • 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+

Network & Presence

  • 250 branches/offices across 21 States/Union Territories as of June 30, 2026
  • Headquartered in Bengaluru with pan-India presence

Shareholding Pattern (as on June 30, 2026)

  • Promoter: 29.99%
  • Mutual Funds: 16.54%
  • Individual: 19.67%
  • Foreign Corporate Bodies: 13.23%
  • Bodies Corporate: 10.03%
  • Others: 10.54%