Home First Finance Company India Limited has notified the stock exchanges regarding its updated schedule of interactions with analysts and institutional investors. The company has announced new one-on-one meetings and participation in upcoming conferences, complying with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The intimation was filed on May 15, 2026, under reference number HFFCIL/BSE/NSE/EQ/15/2026-27.

Meeting and Conference Schedule

The company's officials are scheduled to interact with investors and analysts on the following dates:

Additionally, the company will attend the following group conferences:

Investor Presentation and Reference Documents

Home First Finance Company India Limited confirmed that an investor presentation is available on its official website at www.homefirstindia.com . This presentation was previously intimated to the stock exchanges via letter HFFCIL/BSE/NSE/EQ/09/2026-27 dated May 06, 2026. During the scheduled interactions, company officials will refer exclusively to the latest publicly available documents.

Regulatory Compliance

The disclosure was submitted pursuant to Regulation 30, read with Para A, Part A of Schedule III, of the SEBI Listing Regulations. The company noted that the scheduled dates are subject to change due to exigencies on the part of the company or the analysts and investors. The filing was digitally signed by Shreyans Bachhawat, Company Secretary, Compliance Officer and Head - Legal (ACS No: 26700), on May 15, 2026.

Home First Finance Company India Limited has released the transcript of its Q4 and FY26 earnings conference call held with analysts and investors for the quarter and year ended March 31, 2026. The call was conducted on May 07, 2026, and both the audio recording and transcript have been made available on the company's official website. The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and was submitted to the stock exchanges by Shreyans Bachhawat, Company Secretary, Compliance Officer and Head – Legal (ACS No: 26700), on May 12, 2026.

Regulatory Disclosure

The filing was communicated to the relevant stock exchanges as detailed below:

The management participants on the call included Mr. Manoj Viswanathan, Managing Director and Chief Executive Officer; Ms. Nutan Gaba Patwari, Chief Financial Officer; and Mr. Sunil Anjana, Head of Treasury and Investor Relations.

FY26 Financial Highlights

MD & CEO Manoj Viswanathan described FY26 as a year of resilience and disciplined execution, highlighting record disbursements in Q4, strong profit growth, improving asset quality, and a well-capitalised balance sheet. The key financial metrics for the quarter and full year are summarised below:

CFO Nutan Gaba Patwari noted that the cost-to-income improvement of 330 basis points for FY26 was achieved alongside continued investments in distribution, headcount, and technology. The full-year opex included a one-time gratuity provision of ₹3.3 crores recorded in Q3FY26, arising from the implementation of the new labour code. Operating cost to assets stood at 2.70% for both the quarter and the full year, with management guiding this ratio to remain broadly range-bound within 2.60% to 2.70%.

Asset Quality and Provisioning

Management highlighted a pronounced improvement in portfolio quality during the quarter, driven by tighter early bucket collection discipline and resolution intensity. The asset quality metrics are presented below:

Viswanathan noted that early indicators from April showed better collection outcomes compared to the same month in the previous two years, and that no significant impact from the ongoing conflict in the Middle East had been observed. Guidance on credit cost for the coming year was maintained at 30bps to 40bps.

Borrowings, Capital, and Liability Profile

As of March 2026, the company's funding profile remained well diversified, with 59% from private and public banks, 15% from NHB, 20% from assignment and co-lending, and the balance from NCDs, ECBs, and NBFCs. Incremental borrowing costs during Q4 stood at approximately 7.60%, and the cost of borrowing (excluding co-lending) contracted by 10 basis points to 7.90%. The spread (excluding co-lending) remained healthy at 5.30%, with management guiding to maintain a spread in the range of 5% to 5.25%.

During Q4, the company executed a direct assignment transaction of ₹264 crores. Co-lending disbursements for FY26 doubled from ₹153 crores in FY25 to ₹307 crores, with the co-lending book growing to ₹593 crores, representing 3.70% of AUM. Following the ₹1,250 crores QIP completed in April 2025, the CRAR stood at 44.10% with Tier I at 43.80%, compared to 32.80% and 32.50% respectively as of March 2025 (prior to the QIP).

Distribution, Technology, and Strategic Outlook

During Q4, the company added 6 new branches and 5 touch points, expanding the network to 171 branches and 373 touch points. Net headcount additions of 221 employees during FY26, largely in customer-facing roles, took total headcount to 1,855. Origination yield remained at 13%, with an 83% share of individual housing loans. Management guided to approximately 25% year-on-year AUM growth for FY27, with a branch addition target of 30 to 40 branches annually.

On technology, Viswanathan highlighted the company's AI strategy anchored on three outcomes: elevating customer experience, enhancing employee productivity, and driving structural cost efficiencies. Proprietary AI agents for income assessment and contextual bank statement analysis have been operationalised, while AI-led interventions in lead qualification, legal and technical evaluation, and bureau analysis are currently in pilot. On sustainability, the company certified 140 additional homes under its green homes initiative during the quarter, taking the cumulative total to 450 as of March 2026.