HOMEFIRSTNSEQ4FY25March 31, 2025

Home First Finance Company India Limited

9,710words
1turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
SE/NSE/EQ/12/2025-26 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 Date: 01-05-2025 To, The National Stock Exch
₹1,27,127
y q-o-q FY25 Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In
₹48,053
Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with R
31.1%
Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circula
5.2%
ement (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 20
30 bps
AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4%
21.2%
bursement Gross Stage 3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to
2.7%
3 / POS (GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification
20 bps
(GNPA) ₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification 0 bps DP
1.7%
₹1,27,127 Mn ₹48,053 Mn +31.1% Spread(2) 5.2% -30 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification 0 bps DPD 30+
1.4%
0 bps +21.2% Opex to Assets 2.7% -20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification 0 bps DPD 30+ / POS 3.0% +20 bps Profit After Tax (PAT) Return
0 bps
-20 bps 1.7%(1) In line with RBI circular dated 12 Nov 2021 1.4% prior to such classification 0 bps DPD 30+ / POS 3.0% +20 bps Profit After Tax (PAT) Return On Assets (ROA) Return On Equity (R
Guidance — 3 items
Link
opening
“Investor Presentation – Q4 FY25 Strong Governance Structure ESG Work Sustainably & Ethically Governance at core Sustainable Finance Corporate Governance Separate Chairman & Managing Director position We promote Financial Inclusion.”
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opening
“Investor Presentation – Q4 FY25 Strong Governance Practice ESG • • • • Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee.”
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opening
“Investor Presentation – Q4 FY25 Experienced and Diverse Board Leadership Mr.”
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Risks & concerns — 7 flagged
ESG Risk Rating - Leading ESG score in the BFSI Industry in India.
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Link MorningStar Sustainalytics ESG Risk Rating of 16.2, Low Risk and Strong rating for ESG Risk Management.
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Investor Presentation – Q4 FY25 Strong Governance Practice ESG • • • • Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee.
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Company's risk management framework is driven by its Board and its subcommittees including the Audit Committee, the Asset Liability Management Committee and the Risk Management Committee.
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“Risk Management Committee” meetings on matters including Operational, Risk oversight, fraud prevention and control.
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(1) Adjusted PAT, Adjusted RoA and Adjusted RoE FY22 is computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment 39 Home First Finance Company India Ltd.
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Adjusted PAT, ROA and ROE computed excluding the impact of one-time deferred tax liability adjustment.
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Speaking time
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1
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Opening remarks
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respond https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to ESG Initiatives Sustainable Finance • Funds approved from DFC to support women borrowers for financing affordable housing. U.S. International Development Finance Corporation (DFC) Board of Directors approved a $75 million loan to HomeFirst to support affordable housing mortgage loans to women low-income borrowers. Link • Funds raised from IFC to finance affordable housing and green housing. HomeFirst raised Rs 280 crores from International Finance Corp (IFC) through up to 7-year debt (link). Under this partnership, HomeFirst is promoting energy efficient Green Homes; 120 Green Homes have been certified as of Mar’25. ESG Risk Rating - Leading ESG score in the BFSI Industry in India. S&P Global ESG score of 46. Link MorningStar Sustainalytics ESG Risk Rating of 16.2, Low Risk and Strong rating for ESG Risk Management. Link • The company published its Sustainability Report for the year FY23-24 as part
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