Home First Finance Company India Limited
9,796words
5turns
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Key numbers — 40 extracted
rs,
₹1,58,777
₹54,236
24.9%
5.3%
10 bps
12.9%
2.7%
0 bps
1.8%
3.2%
20 bps
Guidance — 20 items
Experience
opening
“Bankbazaar Fidelity Investments, 10 Years at HomeFirst Total years of experience Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
Experience
opening
“11 Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
Experience
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“All data, information and maps are provided “as is” without warranty or any representation of accuracy, timeliness or completeness 13 Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
Experience
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“Omni Channel Lead Generation Strategy Corporate Information Diversified lead generation channels | Q4 FY26 77.6% Diversified channels for generating leads such as connectors, builder ecosystem, digital, etc.”
Experience
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“Construction Alliances Digital Partnerships Digital Marketing Construction Community Micro Connector Marketing Referrals Builder Ecosystem Connectors …effectively managed via connector app Scan and Download 79.3% connectors registered on the Connector App 14 Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
Experience
opening
“flow 17 Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
Experience
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“No of Payments via Customer App 27,768 For Q4FY26 18 Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
Experience
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“Building the Brand HomeFirst Corporate Information We are happy to report that our Green Homes project is now in full swing.”
Experience
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“We achieved 120 Green Home certifications in FY25 and have added 330 new certifications in FY26.”
Experience
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“And HomeFirst is focused on making that green future accessible, at scale 19 Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd.”
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Risks & concerns — 10 flagged
True North, Hindustan Unilever Limited, ITC Limited, Philip Morris Asia Limited Ramakrishna Vyamajala Chief Human Resource Officer Ashishkumar Darji Chief Risk Officer 7 20 4 21 Rupesh Mehta Head of Technology 2 19 Education: B-Tech and PGDM T.A.
— Experience
Data Science Backed Centralised Underwriting Corporate Information Risk Management Design Tech-Led Centralised ▪ Salaried customers ▪ 100+ data points & digitally captured ▪ Consistency in underwriting ▪ Build detailed understanding of customer via field visits by RM ▪ In-depth understanding of operating geographies and property types ▪ Low under construction exposure and low LTV data for all customers ▪ API integration with third party independent sources like Hunter, Perfios etc.
— Experience
▪ HomeFirst has developed an In-house Treasury liquidity risk Management System to management, automate manual processes, and enhance regulatory compliance improve ▪ The system serves as a centralized record-keeping platform with configurable workflows, approvals, and real-time visibility liability positions.
— Experience
ESG Risk Rating - Leading ESG score in the BFSI Industry in India.
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MorningStar Sustainalytics ESG Risk Rating of 13.6, 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 39 Investor Presentation – Q4 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.
— Link
Speaking time
4
1
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Opening remarks
Experience
CitiFinancial Consumer Limited Citibank, India Finance Paints, Asian Education: MNNIT Allahabad and PGDM XIM-B Experience: Citibank, Macquarie Finance (India), Hewlett Packard Financial Services (India) Education: B-Tech Nagpur University and MBA ICFAI Business School Experience: Kotak Mahindra Bank, Citibank Education: B Com Goenka College, Chartered Accountant
Experience
True North, Hindustan Unilever Limited, ITC Limited, Philip Morris Asia Limited Ramakrishna Vyamajala Chief Human Resource Officer Ashishkumar Darji Chief Risk Officer 7 20 4 21 Rupesh Mehta Head of Technology 2 19 Education: B-Tech and PGDM T.A. Pai Management Institute
Experience
Technologies Limited IDFC Bank, Sterlite Education: Chartered Accountant Experience: KPMG, State Bank of India, Kotak Securities (Electronics) and MBA, Education: B.E Welingkar Institute of Management
Experience
Bankbazaar Fidelity Investments, 10 Years at HomeFirst Total years of experience Investor Presentation – Q4 FY26 | Home First Finance Company India Ltd. Meet Our Customers Corporate Information Formal Salaried Customer 1 Age:34 / Location: Ankleshwar 68% Salaried Informal Salaried Customer 2 Age:42 / Location: Ahmedabad Self Employed Customer 3 Age:27 / Location: Indore 32% Self Employed ? y e h t e r a o h W ? y r o t s r i e h t s i t a h W Applicant is a welder at a local factory with a monthly family income of ₹22,404 Applicant is a machine operator for last 15 years with a monthly family income of ₹40,000 Garment supplier running her own business with a monthly income of ₹25,000 ▪ His current salary is ₹17,124 p.m. credited in his bank. ▪ Both applicant and co-applicant have cash salary. Applicant – cash salary of ₹28,000 p.m. ▪ Self-employed in garments trading with assessed income of ₹25,000 p.m. ▪ His wife (co-app) works as a tailor with assessed income of ₹5,280 p.m. ▪ His wif
Link
respond https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to • 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; 450 Green Homes have been certified as of Mar’26. ESG Risk Rating - Leading ESG score in the BFSI Industry in India. MorningStar Sustainalytics ESG Risk Rating of 13.6, Low Risk and Strong rating for ESG Risk Management. Link S&P Global ESG score of 46. Link • The company published its Sustainability Report for the year FY24-25 as part of its Integrated Annual Report. Li
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