Can Fin Homes

Can Fin Homes achieved record quarterly disbursements of INR 2,500 crores in Q2 FY26, marking the first time crossing this threshold in any second quarter. The company reported improved financial metrics with Net Interest Margin crossing 4% and spread increasing from 2.62% to 2.79%. Total delinquency reduced by INR 130 crores to approximately INR 3,850 crores, leading to minimal credit costs of only INR 3 crores for growth provisioning. Karnataka operations showed significant recovery with September disbursements reaching INR 270 crores compared to INR 78 crores in the previous year's Q2. The company received NHB refinance sanction of INR 1,500 crores at an indicative blended rate of 6.8%. IT transformation implementation progressed as scheduled with first phase modules going live on September 30. For Q3, the company maintains disbursement guidance at INR 2,500 crores considering IT transformation impact, while targeting overall annual disbursements of INR 10,500 crores and 12-13% AUM growth. Management guided for spread of 2.75% and NIM of 3.75% going forward, expecting further delinquency reduction of INR 100 crores in Q3.

Can Fin Homes has announced several financial projections and targets. The company predicts a 2.75% spread and 3.75% net interest margin (NIM) going forward. Credit costs for FY26 are expected to be lower than the anticipated 15 basis points. The company targets ₹2,500 crore in disbursements for Q3 FY26, which is below potential due to IT system changes. Can Fin Homes maintains its full-year FY26 guidance of 12-13% AUM growth and ₹10,500 crore in total disbursements. The company aims for 15% AUM growth starting from FY27.

Can Fin Homes Limited held an earnings call on October 20, 2025, discussing Q2 FY26 financial results with investors and analysts. The call was conducted digitally from 11:00 AM to 12:10 PM and was attended by Managing Director and CEO Suresh S Iyer and Chief Financial Officer Abhishek Mishra. The session was arranged by Investec Capital Services and moderated by Nidhesh Jain. Discussions covered Q2 FY26 financial results, future business prospects, asset quality, growth, borrowings, loan book, profitability, geographies, cost, NIM, spread, provisions, and expansion plans. The audio recording of the earnings call has been made available on the company's website.