HOMEFIRSTNSEQ1FY26June 30, 2025

Home First Finance Company India Limited

9,763words
1turns
0analyst exchanges
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Key numbers — 40 extracted
rs,
-26 Date: 25-07-2025 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 To, The National Stock Exchange of India Limite
₹1,34,787
q-o-q Q1FY26 Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets
₹12,435
Highlights Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD
1.8%
Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / PO
28.6%
Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5%
6.0%
anagement (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 b
7.0%
nt (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 bps 0 b
2.3%
) Disbursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 bps 0 bps 0 b
10 bps
ursement Gross Stage 3 / POS (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 bps 0 bps 0 bps 0 bps
5.1%
S (GNPA) ₹1,34,787 Mn ₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 bps 0 bps 0 bps 0 bps +60 bps +50 bps Profit
2.7%
₹12,435 Mn 1.8% +28.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 bps 0 bps 0 bps 0 bps +60 bps +50 bps Profit After Tax (PAT) Retu
3.5%
8.6% +6.0% +7.0% -2.3% +10 bps +10 bps Spread(1) 5.1% Opex to Assets 2.7% DPD 30+ / POS 3.5% -10 bps 0 bps 0 bps 0 bps +60 bps +50 bps Profit After Tax (PAT) Return On Assets (ROA) Re
Guidance — 11 items
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opening
“• The Company received a Certificate of Merit in PMAY Empowering India Awards 2022 • Enhanced training measures by implementing training sessions for Prevention of Sexual Harassment (POSH) and Human Safety 23 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“• 25 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“32 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“34 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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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 38 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“41 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“42 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“44 114.8 2,775.3 70,245.7 792.0 73.8 0.0 123.1 21,214.9 95,339.6 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“45 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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“July 15, 2025 46 Investor Presentation – Q1 FY26 | Home First Finance Company India Ltd.”
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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 17.4, Low Risk and Strong rating for ESG Risk Management.
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Strong Governance Practice ESG Corporate Governance Structure 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 38 Investor Presentation – Q1 FY26 | 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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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; 190 Green Homes have been certified as of Jun’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 17.4, Low Risk and Strong rating for ESG Risk Management. Link • The company published its Sustainability Report for the year FY24-25 as part of its
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