Home First Finance Company India Limited reported a 34.5% year-on-year increase in net profit to ₹160 crore for the quarter ended June 30, 2026 (Q1FY27), driven by robust asset growth and stable spreads. Assets Under Management (AUM) surged 25.7% to ₹16,938 crore, while quarterly disbursements hit a record ₹1,628 crore. The Board of Directors approved the results on July 27, 2026, with joint statutory auditors B S R & Co. LLP and Batliboi & Purohit issuing unmodified conclusions.

Q1FY27 Financial Performance

Total income rose 18.6% to ₹540 crore, primarily fueled by interest income growth. Pre-Provision Operating Profit (PPOP) expanded 32.9% to ₹224 crore, reflecting improving operating leverage. Profit After Tax (PAT) grew to ₹160 crore from ₹119 crore in Q1FY26. Return on Assets (RoA) improved by 50 basis points to 4.2%, while Return on Equity (RoE) stood at 14.5%. The cost-to-income ratio improved by 150 basis points to 32.7%.

Operational and Asset Quality Metrics

Disbursements reached ₹1,628 crore, up 31.0% year-on-year and 3.6% quarter-on-quarter. AUM grew 25.7% to ₹16,938 crore, with housing loans constituting 83% of the portfolio and EWS/LIG categories forming ~58%. Asset quality remained stable with Gross Stage 3 assets at 1.8% of Principal Outstanding (POS). Days Past Due (DPD) metrics were range-bound: 1+ DPD at 4.7%, 30+ DPD at 3.2%, and 90+ DPD at 1.8%. Credit cost was contained at 40 basis points.

The company’s capital adequacy remained strong, with total CRAR at 42.6% and Tier I capital at 42.2% as of June 2026. Net worth increased to ₹4,483 crore from ₹4,357 crore in March 2026. Total borrowings stood at ₹10,818 crore, supported by a liquidity buffer of ₹2,272 crore. The cost of borrowings improved by 10 basis points to 7.8%.

Distribution and Strategic Initiatives

Home First Finance expanded its physical footprint, adding four new branches to reach 175 branches across 13 States/UTs. The total employee strength grew by 133 net additions to 1,988, primarily in customer-facing roles. The company also certified an additional 100 homes under its Green Homes initiative, bringing the cumulative total to 550 as of June 2026.

Manoj Viswanathan, MD & CEO, stated that stable domestic consumption and steady policy rates created a supportive environment for credit growth. He highlighted that spreads ex-co-lending remained stable at 5.3%, demonstrating the strength of the granular retail franchise. The company expects ~25% AUM growth for FY27 while maintaining focus on profitability and portfolio quality.

What the Numbers Show

The divergence between revenue growth (18.6%) and profit growth (34.5%) indicates significant operational leverage. While impairment costs rose slightly, they remained well-contained relative to the surge in interest income. The stable spread of 5.3% despite rising funding costs suggests effective liability management and disciplined pricing. With no subsidiaries or joint ventures, the results reflect pure-play performance in the affordable housing finance segment.

Governance and Compliance

Financial statements were prepared in accordance with Ind AS 34 and reviewed by the Audit Committee before Board approval. Joint statutory auditors confirmed compliance with SEBI Listing Regulations. A dividend of ₹5.20 per share for FY26 was approved by shareholders and paid during this quarter. Trading windows for designated persons will reopen on July 30, 2026. Shreyans Bachhawat, Company Secretary and Compliance Officer, filed the investor presentation pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Home First Finance Company India Limited will host one-on-one meetings with institutional investors and analysts on July 29 and 30, 2026. The company aims to engage with key market participants to discuss its business outlook, using only publicly available information for these interactions. This engagement follows a board meeting scheduled for July 27, 2026, after which an updated investor presentation will be made available to the public.

The interactions are scheduled under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Para A, Part A of Schedule III. Shreyans Bachhawat, Company Secretary, Compliance Officer, and Head - Legal, submitted the intimation to both stock exchanges on July 27, 2026.

Investor Engagement Details

The company has identified specific institutional investors for these one-on-one sessions. The details of the participating entities are listed below:

Officials from Home First Finance Company India Limited will refer strictly to the latest publicly available documents during these discussions. This approach ensures compliance with regulatory norms regarding the dissemination of material information.

Disclosure Timeline

The company announced that the copy of the Investor Presentation will be uploaded to its website, www.homefirstindia.com , immediately after the conclusion of the Board Meeting held on Monday, July 27, 2026. Following this upload, the company will intimate the Stock Exchanges to inform members and the public at large.

This filing serves as a formal record of the scheduled interactions with BSE Limited and The National Stock Exchange of India Limited , ensuring transparency in its communication with investors.