Company Overview
Can Fin Homes Limited (NSE: CANFINHOME, BSE: 511196) published its comprehensive Annual Report for FY 2025-26, showcasing strong financial performance, strategic initiatives, and robust ESG compliance.
Financial Performance Highlights
FY26 witnessed exceptional growth with net profit surging 27% to ₹1,085.75 crore from ₹857.17 crore in FY25. Total income increased 8.6% to ₹4,218.24 crore, driven by interest income of ₹4,173.86 crore. The company maintained healthy margins with net interest income growing 19% to ₹1,610.17 crore and net interest margin at 3.93%.
Asset under management expanded 10% YoY to ₹42,209 crore, comprising housing loans (71.8%) and non-housing loans (28.2%). Asset quality improved with gross NPAs declining to 0.85% (₹357 crore) from 0.87% in FY25, while net NPAs reduced to 0.37% (₹156 crore). Provision coverage ratio stood at 56.21% with total ECL provisions of ₹505.95 crore.
Capital Structure & Dividend
Capital adequacy remained strong at 23.15% CRAR (Tier-I: 22.46%), well above regulatory requirements. The Board recommended a final dividend of ₹8 per share, following an interim dividend of ₹7 paid in December 2025, resulting in total dividend of ₹15 per share (750%) for FY26, totaling ₹199.73 crore payout.
ESOP grants totaling 2,68,677 options were made under the CFHL Employee Stock Options Scheme 2024 to 77 employees at exercise prices ranging from ₹577.85 to ₹842.80 per option.
Business Operations & Expansion
The company expanded its branch network to 249 locations across 21 States, adding 15 new branches during FY26. Employee strength grew to 1,356, with female employees representing 23.23% of workforce. Record disbursements of ₹10,531 crore were achieved, supported by diversified product portfolio including the new Can Fin Vishwas Housing Loan Scheme for informal sector borrowers.
Digital Transformation Initiatives
Substantial progress was made in digitalization including implementation of IBM-led Core Banking Solution with cloud infrastructure, deployment of AI-powered chatbot 'Vani' for customer service, WhatsApp Business integration, and QR code-based digital feedback systems across all touchpoints.
ESG & Sustainability Performance
Comprehensive ESG assessment was conducted with partner CERE, measuring carbon footprint of 3,225.55 MTCO₂e (Scope 1: 217.87, Scope 2: 2,180.59, Scope 3: 1,158.34). Environmental initiatives included 25 kW solar installation, rainwater harvesting, and 100% LED lighting transition.
CSR expenditure of ₹19.47 crore supported 226 projects benefiting 455,593 individuals across education, healthcare, environmental sustainability, and women empowerment. The company maintained 100% compliance with minimum wage requirements and reported zero human rights complaints.
Corporate Governance & Compliance
The Board comprised 8 directors (6 non-executive including 5 independent) with 11 meetings conducted during FY26. Key managerial personnel included MD & CEO Suresh S Iyer, CFO Abhishek Mishra, and Company Secretary Nilesh Jain. The company maintained highest credit ratings (IND AAA/Stable, CARE AAA) and complied with all SEBI, RBI, NHB, and Companies Act regulations.
Outlook & Strategic Focus
For FY 2026-27, the company plans geographic diversification, strengthening mortgage and non-housing loans, tapping self-employed customer segments, leveraging technology for operational excellence, and promoting green housing solutions while supporting government initiatives including PMAY-U 2.0.
Annual General Meeting
The 39th AGM is scheduled for July 29, 2026 through video conference, with remote e-voting from July 22-28, 2026. Record date for final dividend is July 3, 2026, with payment within 30 days of AGM approval.