Can Fin Homes Limited conducted its Q4 FY26 earnings conference call on April 27, 2026, to discuss the financial performance for the year ended March 31, 2026. The company reported disbursements of INR10,531 crores for the full year, marginally exceeding its guidance of INR10,500 crores. This performance was supported by consistent quarterly results, with Q4 achieving an all-time high of INR3,245 crores. Each quarter of FY26 saw new peak disbursement levels compared to the corresponding periods in the previous year. Subsequently, the company's Managing Director & CEO, Shri Suresh S Iyer, and CFO, Shri Abhishek Mishra, participated in two Investors/Analysts Meets arranged by Investec at Mumbai — on May 06, 2026, and May 07, 2026 — where discussions covered Q4 FY26 financial results, NIM, growth, run-off ratios, future business prospects, cost, spread, loan book, profitability, asset quality, geographies, borrowings, and provisions.

Regional Performance

The company faced initial challenges in Karnataka and Telangana but demonstrated improvement throughout the year. Karnataka achieved 7% disbursement growth, with Q4 averaging INR290 crores per month. The company targets 15% growth in Karnataka for the current year. Telangana, which started with a 33% negative growth in Q1, ended the year nearly flat at INR1,147 crores compared to INR1,198 crores in the previous year. The state now maintains a steady run rate of INR100 crores plus per month, with positive growth expected from the beginning of the current year.

AUM Growth and Prepayments

Assets under management grew by 10.44%, slightly below the initially targeted 11-12% range due to elevated rundown in Q2, Q3, and Q4. The company experienced approximately INR600 crores additional rundown beyond the targeted INR6,000 crores. For FY27, the company targets disbursements of INR13,000 crores with an anticipated rundown of INR7,000 crores, which should result in net additions of INR6,000 crores and approximately 14% AUM growth.

Asset Quality and Credit Costs

The company reported its fifth consecutive quarter of reduction in absolute delinquency numbers. The gross non-performing assets (GNPA) ratio improved to 0.85% from 0.87% in the previous year. Credit costs for the year were approximately 10 basis points, though the company maintains a conservative guidance of 15 basis points for FY27. The provision coverage ratio increased from 49% to 56%, reflecting a more conservative approach to valuations.

Yield and Spread Management

A significant strategic shift occurred during the year, with the percentage of portfolio under annual reset reducing from 71.14% to below 15%. Approximately 85% of customers are now on quarterly reset, with the entire 50 basis points benefit passed on to converted customers. After accounting for the quarterly reset impact and a 15 basis points reduction implemented in January, the book yield stands at 9.8%. The company maintains a spread of 2.8% and provides guidance of 2.75% spread and 3.75% net interest margin for FY27.

Financial Performance and Profitability

The company reported profit of INR1,085 crores for the year. Excluding two one-time events — additional deferred tax asset provision of INR46 crores on standard assets and an income tax refund of INR13.5 crores — the profit would have been INR1,027 crores, representing 20% growth over the previous year's profit of INR857 crores. The company expects an incremental IT implementation cost of INR40 crores in FY27, which will impact the cost-to-income ratio. Despite this, the company aims to maintain return on assets of 2.4% and return on equity of 18% plus.

Operational Metrics

The table below summarises key performance metrics for FY26 alongside the company's guidance for FY27:

Strategic Initiatives

The company continues to expand its branch network, having opened 15 branches in the first half of FY26, with 28 branches planned for the first half of FY27. The sales team strength increased from 30-35 people in FY25 to 80-90 people in FY26, contributing INR868 crores. The company plans to increase the sales team to 150 people in the current year. IT transformation initiatives, including the implementation of loan origination and loan management systems, are expected to drive operational efficiencies in the coming quarters.

Investors/Analysts Meet — May 06, 2026

Can Fin Homes held its first Investors/Analysts Meet on May 06, 2026, in Mumbai, arranged by Investec. The meetings were conducted in physical, one-on-one format between 09:00 a.m. and 05:30 p.m. The following fund houses participated:

Investors/Analysts Meet — May 07, 2026

A second Investors/Analysts Meet was held on May 07, 2026, in Mumbai, also arranged by Investec. Shri Suresh S Iyer, Managing Director & CEO, and Shri Abhishek Mishra, CFO, participated in the meetings conducted between 08:30 a.m. and 05:00 p.m. Discussions covered Q4 FY26 financial results, NIM, growth, run-off ratios, future business prospects, cost, spread, loan book, profitability, asset quality, geographies, borrowings, and provisions. The following fund houses participated:

Can Fin Homes Limited has officially informed the stock exchanges about its participation in an Investor Conference organized by Investec Capital Services (India) Private Limited. The disclosure was made under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements Regulations, 2015) on April 30, 2026.

Conference Schedule

The two-day investor conference has been scheduled with detailed timings for company participation:

Presentation Materials

Can Fin Homes confirmed that company officials will refer to the Investor Presentation that has already been submitted to the stock exchanges. The presentation is also accessible on the company's official website through a dedicated link provided in the official communication.

Important Disclaimers

The company has noted that the meeting schedule may undergo changes due to any exigencies on the part of the organizer, investor, or the company itself. This flexibility clause ensures that all parties can accommodate any unforeseen circumstances that may arise.

Official Communication

The intimation regarding this Investor Conference has been uploaded on the company's website at www.canfinhomes.com . The disclosure document was digitally signed by Nilesh Jain, Company Secretary, on April 30, 2026, at 17:55:02 +05'30', ensuring proper authentication and compliance with regulatory requirements.

Stock Exchange Information

The official communication was sent to both major Indian stock exchanges where the company's shares are listed: