CANFINHOME

CAN FIN HOMES LIMITED Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Near Lalbagh West Gate, Basavanagudi Bengaluru – 560 004 Tel: 080-48536192; Fax: 26565746 e-mail: compsec@canfinhomes.com Web: www.canfinhomes.com CIN – L85110KA1987PLC008699 CFHRO SE CS LODR 123/2026 July 18, 2026 ONLINE SUBMISSION National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G, Corporate Relationship Department Bandra Kurla Complex, 25th Floor, P J Towers Bandra (E) Dalal Street, Fort Mumbai – 400 051 Mumbai – 400 001 NSE Symbol: CANFINHOME BSE Scrip Code: 511196 Dear Sir/ Madam, Sub: Investor Presentation - Post Q1 FY27 Results Ref: Our letter CFHRO SE CS LODR 119/2026 dated July 18, 2026 Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ------------ With reference to the subject, we are enclosing herewith the copy of Investor Presentation of the Company, Post Q1 FY27 results. The same is also made available on the website of the Company at www.canfinhomes.com This is for your information and records. Thanking you, Yours Faithfully, For Can Fin Homes Limited Nilesh Jain Company Secretary M.No. 18320 Encl: As above. Can Fin Homes Limited Can Fin Homes Limited About Us Legacy Focus • 38 year old institution registered as a • To promote home ownership across India, deposit taking HFC with NHB with a motto of friendship finance and good service • Promoted by Canara Bank in the year 1987 (shareholding of 30% approx.) • To focus on Housing loans to Individuals • Can Fin Homes is a part of the Canara Group • To have strong fundamentals with ethical Financial Conglomerate led by Canara Bank & transparent practices and prudent underwriting • Listed in 1989. Carries a legacy of uninterrupted dividend payment since inception Reach Vision • Headquartered in Bengaluru • To increase lending to new home • Pan-India presence with 250 branches / aspirants, enhance value for our offices as on 30/06/2026 stakeholders, uphold our ethics and good corporate governance • Spread across 21 States / Union Territories 2 3 Can Fin Homes Limited Can Fin Homes Limited Journey So Far • Best Digital Transformation Initiative in the Housing Finance segment AUM crossed AUM crossed accolade by Quantic India. ` 40,000 Cr. `20,000 Cr in • PAT Crossed ` 1000 Crores in Dec. 2025 December 2019. • 250th Branch at Thane, Maharashtra 2026 2025 2019 Rights issue of CFHL– Loan book over Split of equity shares mCap over `10,000 Cr. from `10 each to `1,000 Cr `2 each (w.e.f. 13/10/17). 2015 2016 2017 • 100th branch at Begur, • Completed 25 years. 41 branches. Bengaluru. • 50th branch opened We started • 1st satellite office at at NCR - Pitampura. expanding. Yelahanka. 2013 2012 2011 First branch of CFHL • 11 more branches were added, Loan book crossed opened at Jayanagar, including New Delhi `100 Cr. Bengaluru. • Public Issue of 36 lakhs equity shares of `10 each and listing on BSE 1987 1989 1991 2 3 Can Fin Homes Limited Can Fin Homes Limited Journey So Far Reinforce Rebuild Reach Higher • Company will continue its • Company intends to evolve • Expansion of sourcing channels thrust on growth, asset quality, further with the help of to attract different segments of profitability and liquidity technology, duly keeping abreast borrowers, thus facilitating the • Unwavering focus on good with the changes in digitalization Company’s upward trajectory governance and due diligence • Seamless integration of new • Ensure that the products and • No deviation from the processes with the tried and services offered by the Company fundamental ethos tested ones for better, improved are environment friendly and of the company customer service in tune with the rationale of • Utmost adherence to ethics, fair • Thrust on direct sourcing to ecological conservation play, team work and the pursuit enhance the Company’s loan of excellence portfolio • As always, priority will be given for compliance, audit and risk 4 5 Can Fin Homes Limited Can Fin Homes Limited Our Strengths • Consistent management support and guidance from the sponsor - Canara Bank • Expertise gained over 38 years in housing finance • Eminent personalities with rich experience on the Board • Quick, hassle-free and customer-friendly lending process • Transparent and timely updation to stakeholders • Risk based evaluation of borrowers on merit • Single Window branch led loan process • Consistent and stable liquidity position • Increased dividend year after year 4 5 Can Fin Homes Limited Can Fin Homes Limited Credit Rating Position as on 30/06/2026 Borrowings CARE ICRA IND Ra Term Loans (Long Term Loan) AAA/Stable AAA/Stable Term Loans (Short Term Loan) A1+ NHB Borrowings AAA/Stable Commercial Papers (CPs) A1+ A1+ Non-Convertible Debentures (NCDs) AAA/Stable AAA/Stable AAA/Stable Public Deposits AAA/Stable 6 7 Can Fin Homes Limited Can Fin Homes Limited Board of Directors Shri Hardeep Singh Shri Suresh S Iyer Smt Ahluwalia Managing Director & Shubhalakshmi Non-Executive Director Aamod Panse CEO (Promoter) Director (Independent) Shri Ajai Kumar Shri Arvind Shri Murali Director (Independent) Narayan Ramaswami Yennemadi Director (Independent) Director (Independent) Shri Shri Shailesh Swarupananda Kumar Singh Mallick Deputy Managing Director Director (Independent) (w.e.f. 21/08/2025) (w.e.f. 03/07/2026) 6 7 Can Fin Homes Limited Can Fin Homes Limited Experienced Management Team Shri Prakash Shri A Uthaya Shri Nilesh Jain Shanbhogue Kumar Company Secretary President - Business President - Assurance and and Head - Board Total Exp: 33 Years Chief Risk Officer (CRO) Secretariat Service in Can Fin - Total Exp: 32 Years Total Exp: 23 Years 33 Years Service in Can Fin - Service in Can Fin - 32 Years 3 Years Shri Abhishek Shri D R Prabhu Shri A Narayanan Mishra Vice President & Chief Chief Information Chief Financial Officer Compliance Officer (CCO) Officer (CIO) Total Exp: 22 Years Total Exp: 37 Years Total Exp: 35 Years Service in Can Fin - Service in Can Fin - Service in Can Fin - 1 Year 37 Years 1 Year Shri R Madhu Shri Prashanth Shri P Ratheesh Kumar Joishy Kumar Head - Credit Head – Products and Chief Audit Officer Total Exp: 36 Years Strategy Total Exp: 29 Years Service in Can Fin - Total Exp: 36 Years Service in Can Fin - 31 Years Service in Can Fin - 29 Years 36 Years 8 9 Can Fin Homes Limited CCaann FFiinn HHoommeess LLiimmiitteedd Business Overview 8 9 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance ` in Crore PAT 1,200 1,000 800 600 400 200 0 FY16 FY17 FY18 FY19 FY20 FY26 10 11 792 473 FY21 654 FY22 074 FY23 126 FY24 057 FY25 751 532 782 758 680,1 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance ` in Crore GNPA 1.0 0.8 0.6 0.4 0.2 0.0 FY16 FY17 FY18 FY19 FY20 FY26 10 11 %26.0 %67.0 FY21 %19.0 FY22 %46.0 FY23 %55.0 FY24 %28.0 FY25 %91.0 %12.0 %34.0 %78.0 %58.0 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance SPREAD (%) 3.0 2.5 2.0 1.5 1.0 0.5 0.0 FY16 FY17 FY18 FY19 FY20 FY26 12 13 %61.2 %54.2 FY21 %87.2 FY22 %55.2 FY23 %13.2 FY24 %76.2 FY25 %94.2 %16.2 %36.2 %55.2 %68.2 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance ` in Crore 45,000 AUM 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 FY16 FY17 FY18 FY19 FY20 FY26 12 13 183,81 607,02 FY21 501,22 FY22 117,62 FY23 365,13 FY24 999,43 FY25 346,01 313,31 347,51 712,83 902,24 Can Fin Homes Limited Can Fin Homes Limited Roadmap - 2028 Geographical Concentration Segment Mix (AUM) (Incremental Disbursement) Mar-26 June-26 Mar-28 (Proj) Mar-26 June-26 Mar-28 (Proj) 35% 40% 32% 32% 35% 41% 65% 60% 59% 68% 68% 65% SENP Salaried Rest of India South Product Mix (AUM) Sourcing Mix (Incremental Disbursement) Mar-26 June-26 Mar-28 (Proj) Mar-26 June-26 Mar-28 (Proj) 9% 12% 10% 17% 17% 20% 8% 11% 10% 83% 83% 80% 80% 80% 20% 60% NHL HL Digital DSA Direct (Walk-ins) Marketing Team 14 15 Can Fin Homes Limited Can Fin Homes Limited Digital Acceleration & Strategy 14 15 Can Fin Homes Limited Can Fin Homes Limited Responsible Lending Practices On Boarding Outsourcing Lead Generation Due Diligence Legal verification Valuation Through Website, • CKYC UIDAI linked verification Through empanelled • Through professional Customer Referral, • Bank account verification through Advocate, Cross Valuers, validation of Direct Marketing PERFIOS verification through rates through market and DSA Channel. State Govt. Land linked web sites • Field verification of residence, employment, property in each portal. • Mobile-based app for all proposal valuers • Online PAN verification • Tie-up with Valocity • Online ITR verification • Online CERSAI verification Sanction CRM Disbursement • Single Window - At branch level for loans Review of all branch loan Centralized Disbursement up to delegated power of sanctions by central credit post verification of Branch Head review monitoring team at documents • Central CPC / Zonal Office for loans beyond Head Office sanctioning powers of branch heads 16 17 Can Fin Homes Limited Can Fin Homes Limited Responsible Lending Practices Documentation Storage of Loan Dockets Repayment Centralised Document Storage. Pre-filled System Collection Generated • Vetting of security documents • Through E -NACH, Salary documents ready with alternate empanelled deduction. for execution advocates • Option for online payment • Tie-up for cash collection from Branch • BBPS option Financial Governance & Controls Monitoring Reconciliation Statutory Payments Vendor Payments Centralized vendor • Data mining for EWS Auto reconciliation Centralized statutory payments • Monthly OTMS reports module for Bank payments reconciliation like TDS, GST, PT, ESI etc. • Zonal Risk Monitoring 16 17 Can Fin Homes Limited Can Fin Homes Limited Digital Framework Driving Growth through Intelligent, Secure & Customer-Centric Digital Capabilities Business  Risk Mgmt / ALM  CB & I  Aadhaar Data  Document  Deposits Vault Management Sys. Applications  Finance &  Lift and Shift All Modules Live Accounting (CKYC, ADF, RBIA)  HRMS  LOS & LMS  Reporting Infrastructure  Cloud Infra Services (AWS) & API  SD-WAN  Desktop  Azure AD  Email &  AIOps  ITSM Network Migration on AWS Collaoration Monitoring Platform Manager All Services Live Security  Network Services  EMS  DLP  DAM  SIEM / SOC Security  IDAM All Solutions Live 18 19 Can Fin Homes Limited Can Fin Homes Limited IT Transformation Status Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) Human Resource Management System (HRMS) M/s Workline Implemented (Q3 FY26) Aadhaar Data Vault (ADV) M/s Trustt Implemented (Q3 FY26) Document Management System (DMS) M/s Newgen Implemented (Q3 FY26) Finance & Accounting (Sprint-2) M/s Infor (India) Implemented (Q4 FY26) Deposits M/s Infrasoft Implemented (Q4 FY26) Functional Applications OEM Status Reports M/s Shephertz Pilot phase Implemented (Q1 FY 27) Loan Origination System (LOS) M/s Pennant Technologies Pilot phase Implemented (Q1 FY 27) Loan Management System (LMS) M/s Pennant Technologies Pilot phase Implemented (Q1 FY 27) Technical Solutions OEM Status Cloud Setup Amazon Web Services Implemented (Q2 FY26) Active Directory Setup Amazon Web Services & Microsoft Implemented (Q2 FY26) Mailing and Collaboration Microsoft Implemented (Q2 FY26) Software Defined Wide Area Network (SD-WAN) Fortinet Implemented (Q2 FY26) Network Operations Centre (NOC) MotaData Implemented (Q3 FY26) Security Operations Centre (SOC) DNIF Implemented (Q3 FY26) IT Service Management (ITSM) MotaData Implemented (Q3 FY26) IBM: System Integrator | PwC: Consulting Services | KPMG: Implementation Support 18 19 Can Fin Homes Limited Can Fin Homes Limited Business Highlights 20 21 Can Fin Homes Limited Can Fin Homes Limited Performance Highlights - Q1 FY27 50,000 40,000 30,000 20,000 10,000 0 Q1 FY 25 Q1 FY 26 Q1 FY 27 20 21 955,53 377,83 169,24 600 450 300 150 0 023 363 724 500 400 300 200 100 0 Q1 FY 25 Q1 FY 26 Q1 FY 27 552 872 933 Loan Book (` in crore) Q1 FY 25 Q1 FY 26 Q1 FY 27 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 Q1 FY 25 Q1 FY 26 Q1 FY 27 %75.3 %46.3 %18.3 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 Q1 FY 25 Q1 FY 26 Q1 FY 27 %71.2 %91.2 %93.2 Net Interest Income PBT (` in crore) (` in crore) Net Interest Margin RoAA 500 400 300 200 100 0 002 322 862 PAT (` in crore) Q1 FY 25 Q1 FY 26 Q1 FY 27 Can Fin Homes Limited Can Fin Homes Limited Performance Highlights - Q1 FY27 15 10 5 0 22 23 41.7 17.6 81.6 DER 1.2 1.0 0.8 0.6 0.4 0.2 0.0 Q1 FY 25 Q1 FY 26 Q1 FY 27 %19.0 %89.0 %78.0 GNPA 0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0.0 Q1 FY 25 Q1 FY 26 Q1 FY 27 %94.0 %45.0 %24.0 25 20 15 10 5 0 Net NPA Q1 FY 25 Q1 FY 26 Q1 FY 27 %78.41 %33.81 %25.91 Cost to Income 25 Ratio 20 15 10 5 0 FY 2025 FY 2026 Q1 FY 2027 Q1 FY 25 Q1 FY 26 Q1 FY 27 %75.71 %39.61 %51.71 RoE 35 30 25 20 15 10 5 0 Q1 FY 25 Q1 FY 26 Q1 FY 27 99.41 18.61 11.02 EPS (`) Can Fin Homes Limited Can Fin Homes Limited Growth Catalysts FY 2025 FY 2026 Q1 FY 2027 130 179 826 299 883 276 8308 8822 2034 Business from Old Branches New Branches Sales Team (` In Crore) Sourcing Channel FY25 FY26 Q1FY27 Business from Old Branches 8308 8822 2034 Sales Team 130 883 276 New Branches 179 826 299 Total 8568 10531 2609 22 23 Can Fin Homes Limited Can Fin Homes Limited Performance Highlights - Q1FY27 ` in Crore Period Ended SI. Particulars No. Jun'26 (3m) Jun'25 (3m) Mar'26 (3m) 1 New Approvals 2795 2059 3523 2 Disbursements 2609 2015 3246 3 Outstanding Loan Book 42961 38773 42209 4 Net Interest Income 427 363 422 5 Operating Profit 352 304 354 6 ECL Provision 13 26 1 7 Profit Before Tax 339 278 353 8 Profit After Tax 268 223 346 9 Gross NPA 376 378 357 10 Gross NPA Ratio (%) 0.87% 0.98% 0.85% 11 Net NPA* 180 208 156 12 Net NPA Ratio (%)* 0.42% 0.54% 0.37% *Excluding Management Overlay 24 25 Can Fin Homes Limited Can Fin Homes Limited Key Financial Ratios - Q1FY27 Period Ended SI. Particulars No. Jun'26 (3m) Jun'25 (3m) Mar'26 (3m) 1 Return on Avg. Assets (%) 2.39% 2.19% 3.29% 2 Return on Avg. Equity (%) 17.15% 16.93% 23.12% 3 Earnings Per Share (`) 20.12 16.81 25.96 4 Net Interest Margin (%) 3.81% 3.64% 4.19% 5 Yield on Loan Portfolio (%) 9.81% 10.09% 9.99% 6 Cost of Borrowing (%) 6.98% 7.47% 7.07% 7 Spread (%) 2.83% 2.62% 2.92% 8 Avg. Business Per Branch (` Crore) 172 167 170 9 Avg. Business per Employee (` Crore) 31 31 31 10 Cost Income Ratio (%) 19.52% 18.33% 19.84% 11 Debit Equity Ratio 6.18 6.71 6.4 24 25 Can Fin Homes Limited Can Fin Homes Limited Performance Highlights - Q1FY27 ` in Crore Year on Year (As per IND AS) SI. Particulars No. Jun’26 (3m) Jun'25 (3m) Growth (%) 1 New Approvals 2795 2059 36% 2 Disbursements 2609 2015 29% 3 Outstanding Loan Book 42961 38773 11% 4 Net Interest Income 427 363 18% 5 Operating Profit 352 304 16% 6 ECL Provision 13 26 -50% 7 Profit Before Tax 339 278 22% 8 Profit After Tax 268 223 20% 9 Gross NPA 376 378 10 Gross NPA Ratio (%) 0.87% 0.98% 11 Net NPA* 180 208 12 Net NPA Ratio (%) 0.42% 0.54% *Excluding Management Overlay 26 27 Can Fin Homes Limited Can Fin Homes Limited Portfolio Composition & Mix 26 27 Can Fin Homes Limited Can Fin Homes Limited Segment wise AUM Product wise AUM AUM Q1FY 26 AUM Q1FY 26 1% 2% 7% 5% 14% 11% 30% 75% 1% 54% Sal - Govt. Housing Sal - PSU/Banks Housing CRE AUM Q1FY 27 Sal - Private LAP and Mort AUM Q1FY 27 1% SENP 2% Top-up Prof Others 14% 8% 7% 12% 32% 52% 71% 1% 28 29 Can Fin Homes Limited Can Fin Homes Limited Purpose wise AUM Ticket Size wise AUM AUM Q1FY 26 AUM Q1FY 26 1% 2% 9% 16% 6% 4% 7% 14% 42% 62% 37% Construction <20 Lakhs Flat 20-35 Lakhs AUM Q1FY 27 Resale AUM Q1FY 27 35-50 Lakhs Renovation 1% 50-100 Lakhs 3% 10% Mort + LAP + Top-up 8% >100 Lakhs 18% Others 4% 6% 15% 39% 58% 37% * Others include Site loan, Loan against rent receivables, Loans for commercial property, Loans for children education, Personal loans, Commercial housing loans, Isecure loan 28 29 Can Fin Homes Limited Can Fin Homes Limited Loan Amount Wise Disbursement and AUM Disbursement AUM 48% Q1 FY26 Jun 25 Q1 FY27 Jun 26 41% 34% 30% 30% 28%28% 27% 27% 26% 21% 19% 11% 12% 11% 7% 0-10L 10-20L 20-30L >30L 0-10L 10-20L 20-30L >30L 30 31 Can Fin Homes Limited Can Fin Homes Limited The Sourcing Funnel 30 31 Can Fin Homes Limited Can Fin Homes Limited Sourcing Mix FY24 FY25 FY26 Q1FY27 Active DSAs 1184 1245 1695 1775 Total Disbursement (Crores) 8117 8568 3246 2609 Total DSA Sourced Amount (Crores) 6669 6832 2618 2085 % Share of Total Business 82% 80% 81% 80% Share of Top-20 DSAs Amount (Crores) 844 878 246 196 % Share of Total Business 10% 10% 9% 8% 32 33 Can Fin Homes Limited Can Fin Homes Limited Zone wise Contribution - Q1FY 26 Zone wise Branches Zone wise AUM Zone wise Disbursement (`2015 Cr.) 8% (19) 0%21% 11% 0% 19% 17% 170%% (50) 0% 22% (40) 17% 14% 0% 0% 22% 0% 14% 13% 19% (51) 9% (44 0 ) % 13% 0% 0% 27% 0% 9% 28% (30) North West East Karnataka North West East Karnataka North West East Karnataka Tamil Nadu Telangana Tamil Nadu Telangana Tamil Nadu Telangana 32 33 Can Fin Homes Limited Can Fin Homes Limited Zone wise Contribution - Q1FY 27 Zone wise Branches Zone wise Disbursement Zone wise AUM (`2608 Cr.) 8% 0% (19) 0%2 (5 0 0 % ) 0% 11% 0% 20% 0% 17% 01%8% 19% (47) 17% 0% 0% 0%15% 14% 16% 23% 18% (57) (4 0 4 % ) 13% 0% 0% 25% 01%0% 27% 9% (33) North West East Karnataka North West East Karnataka North West East Karnataka Tamil Nadu Telangana Tamil Nadu Telangana Tamil Nadu Telangana 34 35 Can Fin Homes Limited Can Fin Homes Limited Lending Basket Category-Wise Product-Wise Distribution of Loan Book * ` in Crore Sl. No. Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 1 Salaried & Professionals i) Housing Loans 24078 24255 24379 24909 24241 ii) Repairs & Renovation 541 548 670 695 819 iii) Mortgage Loans 1140 1239 1362 1503 1657 iv) Top-up Loans 1232 1261 1294 1337 1198 v) Loans for Sites 220 233 244 253 984 vi) Others 50 50 53 54 149 Sub Total 27261 27586 28002 28751 29048 (As a % to total) 70% 70% 69% 68% 68% 2 Non-Salaried Class - Self-Employed & Non-Professionals i) Housing Loans 8967 9317 9638 10104 10113 ii) Repairs & Renovation 326 338 406 434 535 iii) Mortgage Loans 1385 1524 1689 1882 2059 iv) Top-up Loans 620 651 686 730 641 v) Loans for Sites 123 143 168 194 420 vi) Others 63 67 71 80 105 Sub Total 11484 12040 12658 13424 13873 (As a % to total) 30% 30% 31% 32% 32% 3 Staff Loans 28 31 33 34 40 Grand Total 38773 39657 40693 42209 42961 34 35 Can Fin Homes Limited Can Fin Homes Limited Funding Basket Funding Mix @ June 2025 (as %) Funding Mix @ June 2026 (as %) 1% 1% Structure wise breakup 7% of borrowings (` In Crore) 8% Particulars Q1 FY27 14% 22% NCD 5,515 53% CP 2,971 15% Deposit 227 62% 17% NHB 5,945 Bank borrowings Repo linked 14,474 Total Borrowings: `35489 Crore Total Borrowings: `38641 Crore Special Rate 1,389 T bill linked 6,274 Banks NHB NCD CP Deposits Gsec linked 1,846 Asset and Liability Mix - Fixed V/s. Floating (` In Crore) Total Borrowings 38,641 Fixed Floating Total Assets (A) 2,364 42,704 45,068 Liabilities (L) 11,604 27,037 38,641 36 37 Can Fin Homes Limited Can Fin Homes Limited Financial Strength 36 37 Can Fin Homes Limited Can Fin Homes Limited Yield, Cost, NIM and Spread (As at the end of each quarter) 10.09% 10.09% 10.08% 10.06% 9.81% 7.47% 7.29% 7.26% 7.20% 6.98% 3.93% 3.83% 3.89% 3.81% 3.64% 2.86% 2.83% 2.79% 2.82% 2.62% Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27 Yield Cost NIM Spread 38 39 Can Fin Homes Limited Can Fin Homes Limited Share of Annual Reset Loans to AUM Particulars Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Yield 10.09% 10.08% 10.07% 9.99% 9.81% Cost of Funds 7.47% 7.17% 7.14% 7.07% 6.98% Spread 2.62% 2.91% 2.93% 2.92% 2.83% Benchmark Rate 9.50% 9.35% 9.25% 9.10% 9.10% Annual Reset Loan % to total AUM 66.58% 59.75% 54.04% 48.34% 13.18% 38 39 Can Fin Homes Limited Can Fin Homes Limited Movement of Delinquency Pool * ` in Crore Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Total Delinquency 3979 3802 3618 3375 3442 Outstanding 38773 39657 40693 42209 42961 % 10.26% 9.58% 8.89% 7.99% 8.01% 10.26% 9.58% 8.89% 7.99% 8.01% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 40 41 Can Fin Homes Limited Can Fin Homes Limited NPA and Provision Gross NPA & Net NPA Provision held (%) ` in Crore 59 59 0.98 0.94 0.92 0.87 0.85 59 59 59 210 205 0.54 171 182 184 0.48 0.49 0.42 0.37 Q1 FY 25- 26 Q2 FY 25- 26 Q3 FY 25- 26 Q4 FY 25- 26 Q1 FY 26- 27 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27 GNPA NET NPA Provision for NPA Management Overlay 40 41 Can Fin Homes Limited Can Fin Homes Limited Total Provisions Held * ` in Crore Balance as on Provision as per Provision as per Asset Classification ECL Stages 30 June 2026 IRAC ECL Model Standard Asset 1 39519 SMA 0 1 1209 187 199 SMA 1 2 1033 SMA 2 2 824 NPA 3 376 179 205 Total Portfolio 42961 366 404 Undisbursed Loan Commitment 1378 6 Management Overlay 59 59 Provision for Restructured Accounts 40 40 Total Provision 465 509 The SMA/NPA Classification is based on the due date which falls on the last day of the calendar month 42 43 Can Fin Homes Limited Can Fin Homes Limited PCR with Management Overlay ` in Crore Particulars Q1 FY26 As % of GNPA Q1 FY27 As % of GNPA Gross NPA 378 375 A. ECL Provision (Stage 3) 171 45% 205 55% B. Management Overlay 59 59 Total Provision available (A+B) 230 61% 264 70% C. Prov for Restructured Pool 49 40 Total Provision available (A+B+C) 279 74% 304 81% D. Provision for Std Asset and Undisbursed Loan 206 205 commitment Total Provision (A+B+C+D) 485 509 Note: Provision for restructured pool has reduced on account of closure of restructured loans 42 43 Can Fin Homes Limited Can Fin Homes Limited Run Down Ratios * ` in Crore Opening Amortization + Closing Balance Quarter Disbursement (B) Run Down E= C/A Balance (A) Pre-payment (C) (D=A+B-C) Q1 FY 23 26711 1726 899 27538 3.53% Q2 FY 23 27538 2275 990 28823 3.69% Q3 FY 23 28823 2408 1116 30115 4.05% Q4 FY 23 30115 2538 1090 31563 3.68% Q1 FY 24 31563 1966 1024 32505 3.31% Q2 FY 24 32505 2019 1165 33359 3.64% Q3 FY 24 33359 1879 1185 34053 3.61% Q4 FY 24 34053 2313 1367 34999 4.01% Q1 FY 25 34999 1853 1295 35557 3.64% Q2 FY 25 35557 2381 1347 36591 3.79% Q3 FY 25 36591 1879 1315 37155 3.59% Q4 FY 25 37155 2455 1393 38217 3.74% Q1 FY 26 38217 2015 1459 38773 3.81% Q2 FY 26 38773 2545 1661 39657 4.28% Q3 FY 26 39657 2727 1691 40693 4.26% Q4 FY 26 40693 3246 1730 42209 4.25% Q1 FY 27 42209 2609 1857 42961 4.40% 44 45 Can Fin Homes Limited Can Fin Homes Limited Shareholding Pattern As on 30.06.2026 10.54% Shareholding Category as % 10.03% 29.99% Promoter 29.99 Mutual Funds 16.54 13.23% Individual 19.67 19.67% 16.54% Foreign Corporate 13.23 Bodies Bodies Corporate 10.03 Others 10.54 Grand Total 100.00 Promoter Foreign Corporate Bodies Mutual Funds Bodies Corporate Individual Others 44 45 Can Fin Homes Limited Can Fin Homes Limited • The Company has phased out all old two-wheelers with higher emission Environmental, Social and levels through disposal or selling initiatives contributing to the reduction of its environmental footprint. Governance (ESG) • The Company has strengthened its waste management practices by installing waste segregation bins at its Registered Office, promoting responsible waste Environment disposal and recycling. During the year, the Company recycled 0.40 tonnes of paper waste and utilized recycled paper for approximately 30% of its total The Company has undertaken several sustainability initiatives to paper consumption, reflecting its commitment to resource conservation and strengthen its commitment to environmental responsibility. Some of environmental sustainability. the key efforts include: • The Company is actively minimizing single-use plastic consumption across all • The Company has installed a 25-kW rooftop solar system at offices and branches. Initiatives include eliminating plastic bottles and straws the registered office. During FY 2025-26, the system generated for beverages while encouraging the adoption of eco-friendly alternatives. approximately 8,140 kWh of clean energy, contributing to the Company’s sustainability and carbon reduction goals. • A rainwater harvesting system has been installed at the Corporate Office Building, supporting sustainable water management efforts. Additionally, • Launched the Rooftop Solar Loan Scheme, aimed at empowering water-efficient taps have been implemented to reduce water wastage. customers by offering financial support for the purchase and installation of rooftop solar photovoltaic systems ranging from 3 KW Social to 10 KW. • The Company is committed to promoting fair employment practices by • The Company has successfully recycled 0.88 tonnes of e-waste ensuring equal opportunities, diversity, and non-discrimination across all generated from its operations through authorized and certified levels of the organization. Reflecting this commitment, the recruitment of vendors, ensuring environmentally responsible disposal and female employees increased by 16.67% compared to the previous year, recovery in compliance with applicable environmental regulations. further strengthening gender diversity and fostering an inclusive workplace culture. • All offices have successfully switched to LED lighting, significantly cutting electricity usage while fostering sustainable practices. • The Company successfully conducted training programs covering a Additionally, the Company’s Registered Office and 16 branches diverse range of topics, reaching approximately 89% of its workforce operate with solar-backed UPS systems, further reinforcing eco- during the year. Further, the Company reported zero complaints relating friendly initiatives. to sexual harassment, workplace discrimination, forced labour, human rights violations, data privacy, and cyber security incidents, reflecting its • The Company has implemented motion-sensor lighting systems at its commitment to fostering a safe, inclusive, and ethically governed workplace. Registered Office to optimize energy usage and reduce unnecessary electricity consumption. • The Company undertook CSR initiatives across key focus areas including animal welfare, waste management, clean energy, safe drinking water, • The Company has also conducted a climate risk assessment to sanitation, water management, education, healthcare, tree plantation, identify and evaluate both physical and transition risks associated women’s empowerment, and support for vulnerable underserved with climate change. communities. 46 47 Can Fin Homes Limited Can Fin Homes Limited • The Company remains committed to employee well-being and Governance engagement by providing comprehensive benefits, including life • The Company undertook IT transformation and digitalization insurance, parental insurance, medical insurance, accident insurance, initiatives aimed at enhancing operational efficiency, strengthening and maternity and paternity leave. Additionally, the Company conducted system resilience, improving scalability, and delivering an improved an Employee Satisfaction Survey across the organization to assess customer experience. employee engagement, gather structured feedback, and identify opportunities for enhancing the overall employee experience. • The Company continued to strengthen its cybersecurity framework to safeguard information assets, customer data, and digital • The Company introduced a QR code-based customer feedback infrastructure against evolving cyber threats and emerging mechanism across its branches, enable customers and other technology risks. stakeholders to conveniently share their feedback, concerns and service experience. • The Company has established a robust risk management framework and internal financial controls system to identify, • The Company conducted Customer Meet programmes across assess, monitor, and mitigate material risks, while supporting branches nationwide to strengthen direct customer engagement, sound governance and business continuity. better understanding customer expectations, and foster trust through transparent and meaningful interactions. • The Company has constituted an ESG Sub-Committee to provide oversight on sustainability related initiatives, monitor ESG • The Company introduced Can Fin Vishwas, a housing loan product performance, and support the integration of environmental, social, designed for marginalized and vulnerable groups, with the objective of and governance considerations into business decision-making enhancing financial inclusion and improving access to affordable housing processes. finance for underserved sections of society. • The Company has started uploading transcripts of every • The Company introduced “PMAY Lantern Nights”, a community outreach investor call on our website. This initiative is aimed at ensuring initiative under PMAY-U 2.0, leveraging the ‘Golden Hour’ (6:30 p.m. to shareholders stay well-informed and reflects our commitment to 9:00 p.m.) to engage with working households and enhance awareness open and effective communication. of the Interest Subsidy Scheme, thereby promoting greater access to affordable housing finance. • The Company has established a comprehensive Data Privacy and Cyber Security Policy to protect sensitive information and maintain operational resilience. Employees undergo regular security awareness training to enhance vigilance and preparedness. Customer privacy is rigorously safeguarded in accordance with the Digital Personal Data Protection Act. • The Company ensures all employees actively participate in fire drill demonstrations. This mandatory initiative equips staff with essential fire safety protocols, reinforcing workplace security and preparedness in emergency situations. 46 47 Can Fin Homes Limited Can Fin Homes Limited ESG Rating ERP Name ESG Rating ESG Risk Assessments & Insights Limited 60 CRISIL ESG Ratings & Analytics Limited Crisil ESG 63 SES ESG Research Private Limited 78.7 CFC Finlease Private Limited 80 NSE Sustainability Ratings and Analytics 73+ 48 49 Can Fin Homes Limited Can Fin Homes Limited Sustainability Initiatives under CSR Can Fin Homes Powers Government Schools with Bigas and Organic Composting Organic Waste Composting and Biogas Systems have been installed at three residential schools in Doddaballapur, Bengaluru: Morarji Desai Residential School, Kitturu Rani Chennamma Residential School and Dr. B.R. Ambedkar Girls’ Residential School. While creating self-sufficient campuses, it has benefitted over 910 residential students. Daily 15-20 kg of organic food waste is converted into: 1. Biogas – used for cooking (Contributing to UN SDG 7: Affordable and Clean Energy) 2. Nutrient-rich compost used for gardening (Supporting UN SDG 12: Responsible Consumption and Production) Building Champions, Fostering Futures! Can Fin Homes has sponsored two brand new multi-purpose sports courts in Indore, Madhya Pradesh at 1. Government Higher Secondary School, Bajrang Nagar (empowering approx. 650 students) 2. Panchayat Maa Kankeshwari Devi Government College, Nanda Nagar (benefitting approx. 1750 students) This initiative contributes to UN SDG 3 (Good Health and Well-being) & UN SDG 4 (QualityEducation) 48 49 Can Fin Homes Limited Can Fin Homes Limited Sustainability Initiatives under CSR Play = Progress! Can Fin Homes has sponsored a play arena at the Spastic Society of Karnataka (SSK) in Bengaluru. This space is dedicated to helping children with developmental disabilities, enhance their physical skills and social connection. A step towards a more inclusive future! Can Fin Homes has provided hearing aids to 150 hearing-impaired students across five Government residential schools in Mysore. This effort supports SDG10 (Reduced Inequalities) 50 51 Can Fin Homes Limited Can Fin Homes Limited Our Network 50 51 Can Fin Homes Limited Can Fin Homes Limited 21 States / UT 250 branch offices 52 53 elacs ot ton si pam lacitilop ehT Can Fin Homes Limited Can Fin Homes Limited Branch Network ANDHRA PRADESH KARNATAKA MADHYA PRADESH TAMIL NADU Amalapuram, Anantapur, Ballari, Belgaum, Bengaluru Bhopal, Gwalior, Batlagundu, CBE - P N Palyam, Bhimavaram, Bobbili, Chittoor, (31 branches), Davanagere, Indore Airport Road, Chennai (9 branches), Eluru, Gollapudi, Guntur, Kadapa, Hassan, Hubli, Kalaburagi, Indore, Jabalpur, Mandideep, Coimbatore (2), Cuddalore, Dindigul (2), Kakinada, Kurnool, Mangalagiri, Mandya, Mangalore, Mysore, Mandsaur, Pithampur, Ratlam, Erode, Gobichettipalayam, Hosur, Nellore, Ongole, Pendurthi, Shimoga, Tumkur Rewa, Sagar, Ujjain Kanchipuram, Karaikudi, Karur (2), Rajahmundry, Srikakulam, Tenali, Krishnagiri, Kumbakonam, Madurai, Tirupati, Vijayawada, Vizag Steel MAHARASHTRA Mayiladuthurai, Namakkal, Plant, Vizag, Vizianagaram Aurangabad, Boisar, Chakan, Perambalur, Pollachi, Rajapalayam, Hadapsar, Hinjewadi, Jalgaon, Salem, Tenkasi, Thanjavur, Theni, BIHAR Kalyan, Kolhapur, Mumbai-Borivali, Thiruchengode, Thirumangalam, Darbhanga, Patna Nagpur, Nanded, Nashik, Navi Thoothukudi, Tirunelveli, Tiruppur (2), Tiruvannamalai, Trichy (2), CHANDIGARH Mumbai (2), Pune, Solapur, Thane Vellore, Virudhunagar CHHATTISGARH ODISHA TELANGANA Bhilai, Bilaspur, Raipur Berhampur, Bhubaneswar, Hyderabad (13 branches), Cuttack, Jharsuguda Karimnagar, Khammam, Mancherial, DELHI Nizamabad, Siddipet, Warangal Dwaraka, Nehru Place, Pitampura PUDUCHERRY UTTAR PRADESH Agra, Aligarh, Allahabad, Ayodhya, GOA PUNJAB Barabanki, Bareilly, Bulandshahr, Bathinda, Jalandhar Ghaziabad, Gorakhpur, GUJARAT Greater Noida, Hapur, Jhansi, Kanpur, Ludhiana, Mohali, Patiala Ahmedabad (2), Bhavnagar, Jamnagar, Lucknow, Mathura, Meerut, Mehsana, Rajkot, Surat, Vadodara Moradabad, Muradnagar, Noida (2), RAJASTHAN Saharanpur, Varanasi HARYANA Ajmer, Alwar, Beawar, UTTARAKHAND Am G b u a r l g a a , o D n h a (2 ru ), h H e i r s a a , r F , K ar a i r d n a a b l, a d, KERALA Ja B i h p i u lw r a (6 r ) a , , J h B a ik la a w ne a r r , , C Jo h d o h m p u u , r , Dehradun, Haridwar, Rudrapur Manesar, Palwal, Panipat, Rewari, Calicut, Kochi, Kota, Kotputli, Pali, WEST BENGAL Rohtak, Sonepat Thiruvananthapuram, Thrissur Rajsamand, Sikar, Udaipur Durgapur 52 53 Can Fin Homes Limited Can Fin Homes Limited Meet PAARTH The embodiment of true Canfinite spirit. C S G Sharp on ompliance. Driven by ervice. Laser-Focused on rowth. 54 55 Can Fin Homes Limited Can Fin Homes Limited Paarth in action - Guiding our communication 54 55 Can Fin Homes Limited Can Fin Homes Limited Notes 56 57 Can Fin Homes Limited Can Fin Homes Limited Notes 56 57 Can Fin Homes Limited Can Fin Homes Limited Notes 58 59 Can Fin Homes Limited Can Fin Homes Limited The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors in- cluding the future changes or developments, the competitive environment, ability to implement the strategies and initiatives, technological changes, political, economic, regulatory and social conditions in India etc. that may cause the actual results, performance and achievements of CFHL to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements or other projections. 58 59