Can Fin Homes Limited – Investor Presentation Summary

Key Operational Highlights

  • 274 branches/offices across 21 States/Union Territories as of September 30, 2026
  • New approvals of ₹2,604 crore in Q2 FY27 (₹2,680 crore in Q2 FY26, ₹2,795 crore in Q1 FY27)
  • Disbursements of ₹2,373 crore in Q2 FY27 (₹2,545 crore in Q2 FY26, ₹2,609 crore in Q1 FY27)
  • Outstanding Loan Book of ₹43,539 crore as of September 2026 (₹39,657 crore in September 2025, ₹42,961 crore in June 2026)
  • Key drivers: Pan-India expansion, direct sourcing enhancement, technology transformation through Project Tejas

Segment-wise Performance

  • Salaried & Professionals segment: ₹29,224 crore AUM (67% of total)
  • Non-Salaried Class segment: ₹14,279 crore AUM (33% of total)
  • Staff Loans: ₹36 crore AUM
  • Explanation: Increased focus on self-employed segment driving higher growth in non-salaried category

Financial Highlights

Revenue: Not explicitly stated in presentation

EBITDA: Not explicitly stated in presentation

PAT: ₹275 crore for Q2 FY27 (₹251 crore in Q2 FY26, ₹268 crore in Q1 FY27)

EPS: ₹20.62 for Q2 FY27 (₹18.88 in Q2 FY26, ₹20.12 in Q1 FY27)

Margins: Net Interest Margin of 3.89% in Q2 FY27 (4.02% in Q2 FY26, 3.81% in Q1 FY27)

YoY/QoQ comparison: PAT increased 14% YoY in H1 FY27; Operating profit increased 10% YoY in H1 FY27

Drivers of financial performance: Higher net interest income (₹431 crore in Q2 FY27 vs ₹404 crore in Q2 FY26), controlled provisions (ECL provision ₹8 crore in Q2 FY27)

Comparison to market estimates: Not specified

Key Risks: Raw material price fluctuations, regulatory changes, climate risk assessment conducted

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not explicitly broken down

Regional Breakdown: Operations spread across 21 States/Union Territories with zone-wise contribution shown but not quantified

Balance Sheet Snapshot

Net Debt/Equity: Debt Equity Ratio of 6.09 in Q2 FY27 (6.61 in Q2 FY26, 6.18 in Q1 FY27)

Reserves: Not explicitly stated

Current Assets/Liabilities: Not explicitly stated

Working Capital/Leverage Metrics: Total borrowings of ₹39,077.81 crore as of Q2 FY27

Financial Health Insights: Strong liquidity position, consistent dividend payment history since inception

Capex & Cash Flow Health

Capital Expenditure: ₹297 crore invested in Project Tejas (7-year digital transformation program)

Free Cash Flow: Not explicitly stated

Operating Cash Flow: Not explicitly stated

Net Debt Movement: Not explicitly stated

Investment Rationale: Technology modernization, operational efficiency improvement, enhanced customer experience

Strategic & R&D Initiatives

Investments in Innovation: Project Tejas IT transformation completed with full implementation of Loan Origination System and Loan Management System in Q2 FY27

Expected impact on growth: Enhanced digital capabilities, improved operational efficiency, better customer service

Strategic Rationale: Becoming more agile, customer-centric, and digitally enabled organization; future-ready technology foundation

Industry Trends & Business Environment

Macro/Industry Trends: Dynamic financial services landscape, increasing digitalization, evolving customer needs

Impact on Company: Driving technology transformation, enhancing risk management practices, pursuing growth opportunities with greater agility

Management Commentary & Growth Outlook

Strategic Outlook: "Company will continue its thrust on growth, asset quality, profitability and liquidity" with unwavering focus on good governance

FY Guidance: Not explicitly stated

Market Share Targets: Not explicitly stated

Risks and Opportunities: Climate risk assessment conducted; focus on environmental sustainability and social responsibility

ESG Updates

Environmental Initiatives: 25-kW rooftop solar system generating 8,140 kWh clean energy; e-waste recycling (0.88 tonnes); LED lighting conversion; rainwater harvesting; Rooftop Solar Loan Scheme

Social Initiatives: Blood donation camps; ESG awareness programs; employee wellness initiatives; gender diversity improvement (female employees increased from 315 to 336); Can Fin Vishwas product for marginalized groups; PMAY Lantern Nights outreach

Governance Initiatives: Project Tejas implementation; cybersecurity framework strengthening; ESG Sub-Committee constituted; comprehensive risk management framework

ESG Ratings: Multiple ratings received ranging from 69-77.5 from providers including CRISIL ESG, NSE Sustainability Ratings

CSR Initiatives: Organic waste composting systems in schools; sports courts sponsorship in Indore; solar infrastructure for Hyderabad Blood Centre; play arena for Spastic Society of Karnataka; hearing aids for 150 students

Digital Transformation

Project Tejas Status: Fully completed in Q2 FY27 with implementation of LOS, LMS, HRMS, DMS, and other technical solutions

System Integrator: IBM

Impact: Initial impact on disbursements from July-September 2026 across 252 branches, with varying effects on disbursement volumes