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நேரலைசமீபத்திய அறிவிப்பு: 2026-11-03 13:57இன்று 0 பகுப்பாய்வு செய்யப்பட்டது
குறிப்பு: இவை NSE பொது அறிக்கைகளின் AI-உருவாக்கிய, கல்வி நோக்கச் சுருக்கங்கள் — ஒவ்வொரு ஆவணத்தையும் ஆதாரமாகக் கொண்டவை, ஆனால் முதலீட்டு ஆலோசனை அல்ல, மேலும் முழுமையற்றதாகவும் இருக்கலாம். அசல் அறிக்கையுடன் சரிபார்க்கவும், செயல்படுவதற்கு முன் SEBI-பதிவு பெற்ற முதலீட்டு ஆலோசகரை அணுகவும்.
HomeFirst Q2 FY27 Earnings Call: AUM up 27% YoY to ₹18,010 Cr, PAT Rises 29% to ₹170 Cr
Home First Finance Company reported its Q2 FY27 earnings call transcript showing AUM expansion of 27% YoY to ₹18,010 crore and quarterly disbursements of ₹1,705 crore (up 32.2% YoY). Profit after tax reached ₹170 crore, a 29.1% YoY increase, with Return on Assets at 4.2% and Return on Equity at 14.9%. Asset quality improved as Gross Stage 3 loans dropped 10 bps QoQ to 1.7%, supported by a total provision coverage (including overlays) of 46.4%. Management reiterated their medium-term target of reaching ₹20,000 crore in AUM by March 2027.
உச்சம் நம்பிக்கை
என்ன மாறியதுSubmission of the formal transcript of the Q2 FY27 earnings conference call held on October 28, 2026.
ஏன் இது முக்கியம்Provides granular operational insights on loan yields, liability management, technology automation, and regional credit demand in affordable housing.
📅 குறுகிய காலம்Neutral to slightly positive; reiterates robust operating performance and asset quality, though financial numbers were already released prior to the transcript.
📈 நீண்ட காலம்Supports a structural 25-30% growth profile in affordable housing with operating leverage kicking in via declining cost ratios and digital underwriting.
⚠ அபாய எச்சரிக்கைகள்
Geographic concentration in core states like Gujarat and Maharashtra
Dependency on bank borrowing (58% of funding profile) making cost of funds sensitive to liquidity
👀 கவனிக்க வேண்டியவை
Track progress towards the target of ₹20,000 crore AUM by March 2027 and monitor whether spreads hold steady around 5.2% amid changing interest rate cycles.
Home First Finance Appoints Rinkoo Somani as CFO; Q2 Revenue at Rs 567.0 Cr
Home First Finance Company has appointed Ms. Rinkoo Somani as its Chief Financial Officer (designated KMP and SMP) effective October 27, 2026. Somani brings over 25 years of experience from leadership roles at HDFC Limited, HDFC Bank, IDFC Limited, and IDFC FIRST Bank. Alongside this, the Board approved Q2 FY27 results with total income reaching Rs 567.00 crore (Rs 5,670.02 million) and reviewed the full utilization of its Rs 150 crore NCD issue with zero deviation.
உச்சம் நம்பிக்கை
என்ன மாறியதுMs. Rinkoo Somani has been appointed as the new Chief Financial Officer, succeeding the previous finance leadership effective October 27, 2026.
ஏன் இது முக்கியம்CFO transitions are critical for housing finance companies facing spread compression and liquidity risks; Somani brings deep treasury and capital planning experience from HDFC and IDFC.
Quarterly Total Income: ரூ. 5,670.02 மில்லியன்NCD Proceeds Utilized: Rs 150 CroreCFO Experience: over 25 yearsEffective Date: அக்டோபர் 27, 2026
📅 குறுகிய காலம்Smooth management handover expected with little immediate stock price impact as the appointment is paired with quarterly results.
📈 நீண்ட காலம்Strong treasury and capital planning capabilities will be key to managing funding costs and sustaining 30% loan growth amid reliance on bank term borrowings.
⚠ அபாய எச்சரிக்கைகள்
Key person transition risk during an aggressive branch and AUM expansion phase
👀 கவனிக்க வேண்டியவை
Monitor any commentary from the new CFO during the upcoming earnings call regarding cost of funds management, spreads, and the targeted 30% growth strategy.
HomeFirst Q2 PAT Up 29.1% YoY to ₹170 Cr; AUM Crosses ₹18,000 Cr
Home First Finance reported a 29.1% YoY increase in Q2 net profit to ₹170 crore, driven by a 27.0% expansion in AUM to ₹18,010 crore. Total disbursements reached an all-time high of ₹1,705 crore, rising 32.2% YoY. Asset quality showed sequential improvement, with Gross Stage 3 declining 10 bps QoQ to 1.7% and credit costs contained at 40 bps. Return on Assets remained strong at 4.2%, while Return on Equity improved 40 bps sequentially to 14.9%.
உச்சம் நம்பிக்கை
என்ன மாறியதுHome First released its financial and operational performance update for Q2 and H1 FY27, reporting record disbursements and crossing ₹18,000 Cr in AUM.
ஏன் இது முக்கியம்Demonstrates sustained loan book expansion (~27% YoY) alongside improving operating efficiency (cost-to-income at 30.8%) and healthy asset quality without compromising RoA (4.2%).
📅 குறுகிய காலம்Strong operational momentum and resilient credit metrics are likely to be viewed favorably by the market over the coming trading sessions.
📈 நீண்ட காலம்Consistent branch additions (181 branches across 13 states) and strong capital adequacy (CRAR at 39.8%) position the firm well for compounding in affordable housing.
⚠ அபாய எச்சரிக்கைகள்
Slight spread compression (ex-CL spread down 10 bps to 5.2%)
October 2026 bounce rate remains elevated at 16.6%
👀 கவனிக்க வேண்டியவை
Track spread trajectories (ex-CL spread down 10 bps QoQ to 5.2%) and early delinquency buckets (1+ DPD flat at 4.7%) in upcoming quarters.
Home First Finance CFO Nutan Gaba Patwari Resigns; Transition Advisory Planned
Nutan Gaba Patwari has stepped down as Chief Financial Officer and Key Managerial Personnel of Home First Finance Company India Limited, effective August 31, 2026. During her ~8-year tenure, the company scaled its AUM from ~₹2,000 crore to ~₹16,000 crore and built a diversified base of 35+ lenders. To ensure continuity and governance clarity, she will support the company in a non-KMP, non-operating advisory capacity for a defined period while transitioning responsibilities to the successor CFO.
உச்சம் நம்பிக்கை
என்ன மாறியதுNutan Gaba Patwari has resigned from the position of Chief Financial Officer and KMP effective August 31, 2026.
ஏன் இது முக்கியம்The CFO oversaw capital raising, credit rating enhancements, and financial strategy during a multi-fold expansion; a seamless leadership succession is critical for lender confidence.
Effective resignation date: ஆகஸ்ட் 31, 2026Tenure at company: ~8 yearsAUM growth during tenure: ~₹2,000 crs to ~₹16,000 crsLender group size: 35+ lenders
📅 குறுகிய காலம்Short-term impact is expected to be neutral given the orderly transition plan and interim advisory support.
📈 நீண்ட காலம்Limited operational disruption expected if the incoming finance leadership maintains current capital allocation discipline and borrowing relationships.
⚠ அபாய எச்சரிக்கைகள்
Key managerial personnel transition risk
Dependency on timely onboarding of new CFO
👀 கவனிக்க வேண்டியவை
Monitor the formal announcement and onboarding of the successor Chief Financial Officer and track management commentary on treasury continuity in upcoming earnings calls.
34.5% YoY PAT Growth in Q1 FY27; CFO to Step Down in August 2026
Home First Finance reported a strong Q1 FY27 with Profit After Tax (PAT) rising 34.5% YoY to ₹160 crore, supported by a 38.2% growth in Net Interest Income. Assets Under Management (AUM) reached ₹16,938 crore, a 25.7% YoY increase, while maintaining stable asset quality with Gross Stage 3 at 1.8%. Net Interest Margins (NIM) improved slightly to 6.0% as the cost of borrowing fell by 10 bps to 7.8%. A key management change was confirmed, with CFO Nutan Gaba Patwari departing on August 31, 2026.
உச்சம் நம்பிக்கை
என்ன மாறியதுDetailed Q1 FY27 performance metrics were released alongside the formal announcement of the CFO's departure date.
ஏன் இது முக்கியம்The results demonstrate strong operating leverage and pricing discipline (5.3% spreads) in the affordable housing segment, though the exit of a long-term CFO introduces a leadership transition phase.
📅 குறுகிய காலம்The stock may react positively to the robust earnings growth and margin expansion, though the CFO departure might temper sentiment slightly.
📈 நீண்ட காலம்The company remains well-positioned to capture the affordable housing opportunity with a target of 25% AUM growth and increasing focus on AI-led underwriting efficiencies.
⚠ அபாய எச்சரிக்கைகள்
Management transition risk (CFO departure)
Geographic concentration in Gujarat and Maharashtra
Sensitivity to bank liquidity for 60% of funding
👀 கவனிக்க வேண்டியவை
Investors should monitor the upcoming appointment of a new CFO and track the company's execution in high-potential states like Uttar Pradesh and Tamil Nadu to sustain its 25% AUM growth guidance.
📊 கடந்த 7 நாட்கள் — உணர்வு அடிப்படையில் பகுப்பாய்வு செய்யப்பட்ட அறிவிப்புகள்
34.5% PAT growth to ₹160 Cr; AUM crosses ₹16,900 Cr in Q1 FY27
HomeFirst reported a strong start to FY27 with Profit After Tax (PAT) growing 34.5% YoY to ₹160 Cr. Assets Under Management (AUM) reached ₹16,938 Cr, a 25.7% YoY increase, supported by record quarterly disbursements of ₹1,628 Cr. Asset quality remained resilient with Gross Stage 3 assets stable at 1.8%, while Return on Assets (ROA) improved to 4.2%. The company maintained healthy spreads of 5.3% (ex-co-lending) and expanded its network to 175 branches.
உச்சம் நம்பிக்கை
என்ன மாறியதுHomeFirst achieved record quarterly disbursements and significant PAT growth while maintaining stable asset quality and improving its ROA to 4.2%.
ஏன் இது முக்கியம்The results demonstrate strong execution in the affordable housing segment, showing that the company can scale its AUM rapidly (25.7% YoY) without deteriorating its credit profile or squeezing its margins.
📅 குறுகிய காலம்The stock is likely to react positively to the strong earnings growth and record disbursement figures, which indicate robust demand in the affordable housing sector.
📈 நீண்ட காலம்The company's focus on Tier 2/3 cities and its 'Phygital' model support a structural growth story, provided it manages geographic concentration and maintains its low credit costs (40 bps).
⚠ அபாய எச்சரிக்கைகள்
Geographic concentration in top 3 states (56% of AUM)
Sensitivity to bank liquidity for funding (60% of borrowings)
Potential yield pressure from balance transfers
👀 கவனிக்க வேண்டியவை
Monitor the company's ability to maintain its ~25% AUM growth guidance and the stability of its 5.3% spreads in a fluctuating interest rate environment. Watch for execution in new geographies to reduce concentration in Gujarat and Maharashtra.
Home First Finance CFO Nutan Gaba Patwari Resigns; AUM Grew 8x During Her Tenure
Ms. Nutan Gaba Patwari has resigned as the Chief Financial Officer of Home First Finance, effective August 31, 2026, after an eight-year tenure. During her leadership, the company's Assets Under Management (AUM) scaled significantly from approximately ₹2,000 crore to ₹16,000 crore. To ensure a smooth transition, she will continue to support the company in a non-operating advisory capacity focused on investor relations. The company has a two-month window to finalize a successor and maintain its financial reporting standards.
முக்கிய அம்சங்கள்
CFO Nutan Gaba Patwari to step down effective August 31, 2026, after 8 years with the company.AUM grew from ₹2,000 crore to ₹16,000 crore and team size reached 1,800+ during her tenure.Outgoing CFO will serve in a time-bound advisory role for capital markets and investor relations post-resignation.The transition period of over two months is intended to ensure governance clarity and investor confidence.Resignation is voluntary for professional growth with no material concerns cited regarding the company.
👀 கவனிக்க வேண்டியவை
Investors should monitor the appointment of the new CFO to ensure leadership continuity in the finance function. The long notice period and advisory role mitigate immediate risks associated with a key management exit.
Home First Finance AGM: ₹5.20 Dividend Approved; Independent Director Re-appointment Rejected
Home First Finance Company India Limited held its 17th AGM on June 24, 2026, where shareholders approved seven out of eight proposed resolutions. A final dividend of ₹5.20 per equity share for FY26 was sanctioned, providing a clear return to shareholders. However, a significant development occurred as the special resolution to re-appoint Mr. Anuj Srivastava as an Independent Director failed to pass, receiving only 72.34% votes in favor against the required 75%. Additionally, members approved increased borrowing powers and the appointment of M/s. Batliboi & Purohit as Joint Statutory Auditors.
முக்கிய அம்சங்கள்
Approved a final dividend of ₹5.20 per equity share for the financial year ended March 31, 2026.Special resolution for re-appointment of Mr. Anuj Srivastava as Independent Director failed with 27.66% institutional/public votes against.Shareholders approved the increase in borrowing powers and creation of charges on company assets under Section 180 of the Companies Act.M/s. Batliboi & Purohit were appointed as Joint Statutory Auditors of the company.Total of 83,629 shareholders were on record as of the June 17, 2026 cut-off date.
👀 கவனிக்க வேண்டியவை
Investors should monitor the reasons behind the institutional rejection of Mr. Anuj Srivastava's re-appointment to identify potential governance concerns. While the dividend is a positive yield indicator, the board's inability to pass a special resolution suggests a lack of alignment with certain large shareholders.
Home First Finance: Shareholders Reject Director Re-appointment; New Joint Auditor Appointed
At the 17th AGM, shareholders of Home First Finance rejected the re-appointment of Independent Director Anuj Srivastava, who will now vacate his office on October 31, 2026. Concurrently, the company appointed M/s. Batliboi & Purohit as Joint Statutory Auditors for a 3-year term, as its asset size has surpassed the ₹15,000 crore regulatory threshold. While Ms. Geeta Dutta Goel was confirmed for a second 5-year term, Nominee Director Divya Sehgal has stepped down from the board. These shifts represent a significant change in the company's governance and audit structure.
முக்கிய அம்சங்கள்
Shareholders voted against the re-appointment of Independent Director Anuj Srivastava for a second term.M/s. Batliboi & Purohit appointed as Joint Statutory Auditors for 3 years as assets exceed ₹15,000 crores.Ms. Geeta Dutta Goel re-appointed as Independent Director for a 5-year term effective November 1, 2026.Nominee Director Divya Sehgal ceased office on June 24, 2026, after not seeking re-appointment.The auditor appointment complies with RBI/SEBI guidelines for large NBFCs and HFCs.
👀 கவனிக்க வேண்டியவை
Investors should monitor the reasons behind the shareholder rejection of Mr. Srivastava's re-appointment to check for underlying governance concerns. The appointment of a joint auditor is a standard regulatory progression for a growing housing finance company and is generally positive for transparency.
Home First Appoints Joint Auditors as Assets Cross ₹15,000 Cr; Director Re-appointment Rejected
Home First Finance has appointed M/s. Batliboi & Purohit as Joint Statutory Auditors for a three-year term (2026-2029) to comply with RBI mandates for NBFCs with assets exceeding ₹15,000 crores. While Ms. Geeta Dutta Goel was re-appointed as an Independent Director for a second five-year term, shareholders notably rejected the re-appointment of Mr. Anuj Srivastava. Additionally, Nominee Director Mr. Divya Sehgal has stepped down after opting not to seek re-appointment at the 17th AGM.
முக்கிய அம்சங்கள்
M/s. Batliboi & Purohit appointed as Joint Statutory Auditors for 3 years following asset size crossing ₹15,000 crores.Shareholders rejected the resolution for the re-appointment of Independent Director Mr. Anuj Srivastava.Ms. Geeta Dutta Goel re-appointed as Independent Director for a second 5-year term effective November 1, 2026.Nominee Director Mr. Divya Sehgal ceased to hold office effective June 24, 2026, after not offering himself for re-appointment.
👀 கவனிக்க வேண்டியவை
Investors should note the regulatory compliance in auditor appointment but should also investigate the reasons behind the shareholder rejection of Mr. Anuj Srivastava's re-appointment to assess any underlying governance or performance concerns.
Home First Finance FY26 AUM Grows 24.9% to ₹15,878 Cr; PAT Surges 41.4% YoY
Home First Finance Company reported a robust FY26 performance with Assets Under Management (AUM) reaching ₹1,58,777 Mn, driven by a 31% 4-year CAGR. Profitability surged with Profit After Tax (PAT) at ₹5,404 Mn, marking a 41.4% YoY increase, while maintaining a healthy Return on Assets (ROA) of 3.9%. The company continues to demonstrate strong execution in the affordable housing segment with a granular loan book (Average Ticket Size of ₹1.2 Mn) and a diversified funding base of 31 lenders.
முக்கிய அம்சங்கள்
AUM reached ₹1,58,777 Mn (up 24.9% YoY) with annual disbursements of ₹54,236 Mn.Profit After Tax (PAT) increased by 41.4% YoY to ₹5,404 Mn, yielding a 15.7% Return on Equity (ROE).Asset quality remains stable with Gross Stage 3 (GNPA) at 1.8% and 30+ DPD at 3.2%.Physical footprint expanded to 171 branches and 373 touchpoints across 144 districts in 13 states.Maintained a strong liquidity buffer of ₹31,258 Mn and a credit rating of AA from ICRA, CARE, and India Ratings.
👀 கவனிக்க வேண்டியவை
Investors should consider the company's industry-leading ROA and consistent AUM growth as indicators of a highly efficient, tech-driven business model. The successful capital raise via QIP provides a strong runway for further expansion into the under-penetrated affordable housing market.
Home First Finance Proposes ₹5.20 Dividend and ₹20,000 Crore Borrowing Limit Increase
Home First Finance Company India Limited has scheduled its 17th Annual General Meeting for June 24, 2026. The company has recommended a final dividend of ₹5.20 per equity share for FY26. A key resolution involves seeking shareholder approval to increase the company's borrowing limit to ₹20,000 crore to support future business expansion. Additionally, the board is undergoing changes with the retirement of Nominee Director Mr. Divya Sehgal and the re-appointment of two Independent Directors.
முக்கிய அம்சங்கள்
Proposed a final dividend of ₹5.20 per equity share for the financial year ended March 31, 2026.Seeking approval to increase borrowing limits to ₹20,000 crore under Section 180(1)(c) of the Companies Act.Appointment of M/s. Batliboi & Purohit as Joint Statutory Auditors for a three-year term starting FY27 at ₹40 Lakhs per annum.Nominee Director Mr. Divya Sehgal to retire by rotation and will not seek re-appointment.Re-appointment of Independent Directors Ms. Geeta Dutta Goel and Mr. Anuj Srivastava for second five-year terms.
👀 கவனிக்க வேண்டியவை
Investors should track the approval of the ₹20,000 crore borrowing limit as it signals management's aggressive growth outlook for the housing finance portfolio. Ensure holdings are maintained before the record date to qualify for the ₹5.20 dividend.
Home First Finance Sets Record Date for FY26 Final Dividend of INR 5.20 Per Share
Home First Finance Company India Limited has recommended a final dividend of INR 5.20 per equity share for the financial year 2025-26. The company has designated May 29, 2026, as the record date to identify eligible shareholders for this payout. This dividend is subject to approval at the 17th Annual General Meeting (AGM) scheduled for June 24, 2026. Upon approval, the dividend will be paid or dispatched to shareholders by July 23, 2026.
முக்கிய அம்சங்கள்
Final dividend of INR 5.20 per equity share recommended for FY26Record date for dividend eligibility fixed as Friday, May 29, 202617th Annual General Meeting scheduled for Wednesday, June 24, 2026Dividend payment to be completed within 30 days of AGM approval, by July 23, 2026
👀 கவனிக்க வேண்டியவை
Investors interested in the dividend must hold the shares before the record date of May 29, 2026. The payout reflects the company's commitment to returning capital to shareholders following the fiscal year's performance.
Home First Finance Reports Strong FY26: PAT Up 41.4% to ₹540 Cr, AUM Grows 24.9%
Home First Finance Company (HomeFirst) delivered a robust performance for FY26, with Profit After Tax (PAT) surging 41.4% YoY to ₹540 crores. The company achieved its highest-ever quarterly disbursements of ₹1,572 crores in Q4, leading to a total Assets Under Management (AUM) of ₹15,878 crores. Asset quality showed significant improvement with Gross Stage 3 assets declining to 1.8% from 2.0% sequentially. Management has guided for a 25% AUM growth in FY27, supported by a strong capital adequacy ratio of 44.1%.
முக்கிய அம்சங்கள்
FY26 PAT grew 41.4% YoY to ₹540 crores with a healthy Return on Assets (ROA) of 3.9%.Assets Under Management (AUM) reached ₹15,878 crores, marking a 24.9% YoY growth driven by record Q4 disbursements.Asset quality improved significantly with 30+ DPD at 3.2% (down 50bps QoQ) and Gross Stage 3 at 1.8%.Net Interest Margin (NIM) remained robust at 5.9% for Q4, while cost-to-income improved by 330bps YoY to 32.5%.The company is highly capitalized with a CRAR of 44.1% following a ₹1,250 crore QIP in April 2025.
👀 கவனிக்க வேண்டியவை
Investors should view the strong disbursement momentum and improving asset quality as positive indicators for long-term growth. The 25% AUM growth guidance and high capital buffers provide a clear runway for expansion in the affordable housing segment.
Home First Finance FY26 PBT Jumps 41% to ₹7,078 Mn; Proposes ₹5.20 Dividend and ₹1,000 Cr Fundraise
Home First Finance Company India Limited reported a robust financial performance for FY26, with total income reaching ₹19,227.22 million compared to ₹15,392.03 million in FY25. Profit Before Tax (PBT) saw a significant increase of 41% year-on-year, standing at ₹7,077.58 million. The board has recommended a dividend of ₹5.20 per share (260% of face value) and approved a substantial fundraise of up to ₹1,000 crore via Non-Convertible Debentures (NCDs) to fuel future growth. Additionally, the company announced the re-appointment of two independent directors and the retirement of a nominee director.
முக்கிய அம்சங்கள்
Total revenue from operations for FY26 grew to ₹19,145.89 million from ₹15,299.47 million in the previous year.Profit Before Tax (PBT) for FY26 increased by 41% YoY to ₹7,077.58 million.Recommended a final dividend of ₹5.20 per equity share for the financial year ended March 31, 2026.Approved fundraising of up to ₹1,000 crore through the issuance of Non-Convertible Debentures (NCDs) on a private placement basis.Re-appointed Ms. Geeta Dutta Goel and Mr. Anuj Srivastava as Independent Directors for a second five-year term.
👀 கவனிக்க வேண்டியவை
The strong earnings growth and the ₹1,000 crore fundraise plan indicate a positive growth trajectory and healthy capital adequacy for expansion. Investors may consider this a positive signal for long-term value, supported by a healthy dividend payout.
Home First Finance Recommends ₹5.20 Dividend and Approves ₹1,000 Cr NCD Issuance
Home First Finance reported a strong financial performance for FY26, with total income rising to ₹19,227.22 million from ₹15,392.03 million in the previous year. The Board has recommended a final dividend of ₹5.20 per share (260% of face value) for the financial year ended March 31, 2026. To fuel further growth, the company has also approved the issuance of Non-Convertible Debentures (NCDs) for an amount up to ₹1,000 crores. Profit before tax saw a significant jump of 41% year-on-year, reaching ₹7,077.58 million.
முக்கிய அம்சங்கள்
Recommended a final dividend of ₹5.20 per equity share for FY26.Total income for FY26 grew by 25% year-on-year to ₹19,227.22 million.Profit before tax increased by 41% to ₹7,077.58 million compared to ₹5,015.88 million in FY25.Board approved fundraising of up to ₹1,000 crores via private placement of NCDs.Interest income rose to ₹16,640.19 million in FY26 from ₹13,540.30 million in the previous year.
👀 கவனிக்க வேண்டியவை
Investors should take note of the robust 41% growth in pre-tax profits and the healthy dividend payout. The planned ₹1,000 crore fundraise indicates management's confidence in maintaining a strong growth trajectory in the affordable housing finance segment.
Home First Q4 FY26 PAT Jumps 42.7% YoY to ₹149 Cr; AUM Grows 24.9% to ₹15,878 Cr
Home First Finance reported a strong performance for Q4 FY26, with PAT growing 42.7% YoY to ₹149 Cr and full-year FY26 PAT reaching ₹540 Cr. Assets Under Management (AUM) grew 24.9% YoY to ₹15,878 Cr, supported by record quarterly disbursements of ₹1,572 Cr. Asset quality showed significant sequential improvement, with GNPA dropping to 1.8% from 2.0% in the previous quarter. The company maintains a high Return on Assets (RoA) of 4.1% and has a robust capital base following a recent ₹1,250 Cr fundraise.
முக்கிய அம்சங்கள்
AUM grew 24.9% YoY to ₹15,878 Cr with record quarterly disbursements of ₹1,572 Cr (+23.5% YoY).Quarterly PAT surged 42.7% YoY to ₹149 Cr, while full-year FY26 PAT rose 41.4% to ₹540 Cr.Asset quality improved materially with GNPA at 1.8% and 30+ DPD at 3.2%, down 50bps sequentially.Cost-to-income ratio improved to 32.0% from 35.7% YoY, reflecting strong operational leverage.Capital Adequacy Ratio (CRAR) stands at a healthy 44.1% following a ₹1,250 Cr equity infusion in April 2026.
👀 கவனிக்க வேண்டியவை
The company continues to deliver high growth with industry-leading RoA and improving asset quality metrics. Investors should view this as a positive sign of execution and monitor the deployment of newly raised capital to sustain ~25% AUM growth.
Home First Q3 FY26 PAT Jumps 44% YoY to ₹140 Cr; AUM Grows 25% to ₹14,925 Cr
Home First Finance reported a strong Q3 FY26 with PAT rising 44% YoY to ₹140 crore and AUM reaching ₹14,925 crore. Despite a slight uptick in Gross Stage 3 assets to 2.0%, early-stage delinquencies (1+ DPD) improved by 20 bps to 5.3%, signaling stabilizing asset quality. The company achieved record quarterly disbursements of ₹1,318 crore and saw Net Interest Margins (NIM) expand to 6.0%. Crucially, the MD & CEO dismissed rumors regarding his exit, providing leadership stability for the projected 25% growth in FY27.
முக்கிய அம்சங்கள்
AUM grew 24.9% YoY to ₹14,925 crore with record quarterly disbursements of ₹1,318 crore.Net Interest Margin (NIM) expanded to 6.0% from 5.4% QoQ, supported by optimized liquidity and lower borrowing costs.Profit After Tax (PAT) increased 44% YoY to ₹140 crore, delivering a robust Return on Assets (ROA) of 4.0%.Asset quality showed improvement in early buckets with 1+ DPD down 20 bps to 5.3%, though Gross Stage 3 rose 10 bps to 2.0%.MD & CEO Manoj Viswanathan explicitly denied rumors of his departure, confirming his commitment to the company.
👀 கவனிக்க வேண்டியவை
Investors should take confidence in the strong disbursement momentum and the management's clarification on leadership continuity. The stock remains a solid play in the affordable housing finance space with a clear 25% growth guidance for FY27.
Home First Q3FY26 PAT Jumps 44% YoY to ₹140 Cr; AUM Grows 25% to ₹14,925 Cr
Home First Finance Company reported a strong Q3FY26 performance with PAT growing 44% YoY to ₹140 Cr and AUM reaching ₹14,925 Cr. Disbursements hit an all-time high of ₹1,318 Cr, representing a 10.5% YoY growth, though the company issued a correction noting QoQ disbursement growth was 2.2% rather than 10.5%. Profitability remains robust with a Return on Assets (RoA) of 4.0% and improving spreads at 5.4%. Asset quality remains largely stable with GNPA at 2.0% and 1+ DPD improving to 5.3%.
முக்கிய அம்சங்கள்
Assets Under Management (AUM) grew 24.9% YoY to ₹14,925 Cr with housing loans comprising 83% of the mix.Profit After Tax (PAT) increased 44% YoY to ₹140 Cr; excluding one-time labor code adjustments, growth was 46.6%.Spreads improved by 10 bps QoQ to 5.4% as the cost of borrowings declined to 8.0%.Asset quality metrics showed 1+ DPD improving to 5.3% (down 20 bps QoQ) while GNPA stood at 2.0% (up 10 bps QoQ).Capital adequacy remains exceptionally strong with a CRAR of 49.0% following a recent fundraise.
👀 கவனிக்க வேண்டியவை
The company demonstrates strong execution in the affordable housing segment with high profitability and a clear 25% AUM growth guidance for FY27. Investors should maintain a positive outlook while monitoring the slight uptick in GNPA and the impact of the enlarged equity base on RoE.
Home First Finance Q3 PAT Jumps 44% YoY to ₹1,402 Million; Re-appoints Chief Compliance Officer
Home First Finance Company reported a robust 44% YoY increase in Profit After Tax (PAT) for Q3 FY26, reaching ₹1,402 million compared to ₹973.83 million in the previous year. Total revenue from operations grew by 18.8% YoY to ₹4,822.45 million, supported by steady interest income growth. The company also confirmed the re-appointment of Ms. Kavita Semwal as Chief Compliance Officer for a three-year term starting May 2026, ensuring management continuity. Additionally, the company recognized a ₹33 million provision for employee benefits related to the New Labour Codes.
முக்கிய அம்சங்கள்
Net Profit for Q3 FY26 rose 44% YoY to ₹1,402 million from ₹973.83 million.Total Income for the quarter stood at ₹4,836.75 million, up 18.7% from ₹4,074.50 million YoY.Basic Earnings Per Share (EPS) increased to ₹13.52 from ₹10.20 in the year-ago period.Re-appointment of Ms. Kavita Semwal as CCO for 3 years effective May 01, 2026.Direct assignment of loans worth ₹2,387.85 million executed during the quarter ended Dec 31, 2025.
👀 கவனிக்க வேண்டியவை
The strong earnings growth and management stability are positive indicators for long-term investors in the affordable housing finance segment. Monitor the deployment of the ₹12,500 million QIP funds for future AUM expansion.
⚠️இந்தத் தளம் எவ்வாறு உருவாக்கப்படுகிறது: சந்தைத் தரவுப் பக்கங்கள் NSE/BSE வெளியீடுகள் மற்றும் நிறுவனங்களின் தாக்கல்களிலிருந்து தானாகக் கணக்கிடப்படுகின்றன; செய்திக் கட்டுரைகளும் அறிவிப்புப் பகுப்பாய்வுகளும் AI உதவியுடன் எழுதப்படுகின்றன, மனித மேற்பார்வையுடன்: AI உருவாக்குவதை எங்கள் ஆசிரியர்கள் மதிப்பாய்வு செய்கின்றனர். இரண்டிலும் பிழைகள் இருக்கலாம். எந்தவொரு முதலீட்டு முடிவுக்கு முன்பும் அசல் மூலங்களில் சரிபார்க்கவும். முதலீட்டு ஆலோசனை அல்ல; Flash Finance SEBI-பதிவு பெற்றது அல்ல. நாங்கள் AI-ஐ எவ்வாறு பயன்படுத்துகிறோம்
🎁 ஆரம்பகால ஆதரவாளர்களுக்கு மட்டும் · குறுகிய கால சலுகை
எங்கள் AI பங்குச் சந்தை பகுப்பாய்வு: டெலிகிராம், வாட்ஸ்அப்பில் இலவசம்
⚡ 3500+ நிறுவனங்களை நாங்கள் உடனுக்குடன் கண்காணிக்கிறோம். NSE-யில் ஒரு நிறுவன அறிவிப்பு வெளியானதுமே, எங்கள் AI அதைப் படித்து, சுருக்கி, அதன் தாக்கத்தைச் சில நொடிகளில் உங்களுக்குச் சொல்கிறது.
இதுபோன்ற AI பகுப்பாய்வுக்குக் கட்டணத் தளங்கள் ஆண்டுக்கு ₹1,00,000-க்கும் மேல் வசூலிக்கின்றன. எங்கள் சேனல்களில் இது இலவசம்.
