Home First Finance Company India Limited reported a 34.5% year-on-year increase in net profit after tax (PAT) to ₹160 crore for the quarter ended June 30, 2026. The affordable housing finance lender achieved this growth despite a modest 18.6% rise in total income to ₹540 crore, indicating improved operational efficiency and margin expansion. Assets Under Management (AUM) grew robustly by 25.7% to ₹16,938 crore, while quarterly disbursements hit a record high of ₹1,628 crore, up 31.0% from the previous year. These figures were approved by the Board of Directors on July 27, 2026, and published in Mint and Pratahkal newspapers on July 28, 2026, fulfilling disclosure obligations under Regulation 47 of the SEBI Listing Regulations.

Financial Performance Highlights

The company’s pre-provision operating profit (PPOP) rose sharply by 32.9% to ₹224 crore, outpacing revenue growth and contributing to a significant improvement in return on assets (RoA). RoA expanded by 50 basis points to 4.2%, while the cost-to-income ratio contracted by 150 basis points to 32.7% from 34.2% in Q1FY26. This efficiency gain underscores management’s ability to control expenses amidst rapid asset expansion.

Asset Quality and Capital Position

Asset quality remained stable with Gross Stage 3 assets holding steady at 1.8% of Principal Outstanding, unchanged from the previous quarter and year. The company maintains a strong capital adequacy ratio of 42.6%, with Tier I capital at 42.2% as of June 2026, providing ample buffer for future lending activities. Manoj Viswanathan, Managing Director & CEO, attributed the strong performance to robust asset expansion and stable spreads in the affordable housing segment.

Governance and Regulatory Compliance

The financial results were reviewed by joint statutory auditors B S R & Co. LLP and Batliboi & Purohit, who issued unmodified conclusions. Shreyans Bachhawat, Company Secretary and Compliance Officer, filed the intimation with BSE Limited and The National Stock Exchange of India Limited pursuant to Regulation 33 read with Regulation 47(1) of the Listing Regulations. A dividend of ₹5.20 per share for FY26 was paid during the quarter. Trading windows for designated persons are scheduled to reopen on July 30, 2026.

What the Numbers Show

The divergence between the 18.6% revenue growth and 34.5% profit growth highlights a period of operational leverage for Home First Finance. The expansion in RoA by 50 basis points alongside a contraction in cost-to-income ratio suggests that the company is successfully scaling its operations without proportional increases in overheads. This efficiency, combined with record disbursements, positions the lender well for continued market share gains in the affordable housing finance sector.

Home First Finance Company India Limited has uploaded the audio recording of its earnings conference call for the quarter ended June 30, 2026, on its corporate website. The conference call, which provided insights into the company’s financial results for Q1FY27, was conducted on July 28, 2026. This disclosure ensures transparency and allows stakeholders to review management’s commentary on the latest quarterly performance.

The filing was submitted pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Home First Finance Company India Limited notified both the Bombay Stock Exchange (BSE) and the National Stock Exchange of India Limited (NSE) regarding the availability of the recording. The communication was signed by Shreyans Bachhawat, who serves as the Company Secretary, Compliance Officer, and Head – Legal.

Disclosure Details

The company provided specific details regarding the filing and the associated regulatory compliance in its submission to the exchanges.

Regulatory Compliance

Shreyans Bachhawat, holding ACS NO: 26700, digitally signed the submission on July 28, 2026, at 20:22:02 +05'30'. The notice was directed to the Department of Corporate Services at BSE Limited, located at Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai-400001, with Scrip Code 543259. Simultaneously, the notice was sent to the Listing Department at The National Stock Exchange of India Limited, situated at Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Bandra (E), Mumbai-400051, under the Scrip Symbol HOMEFIRST.

What the Numbers Show

While this filing primarily serves as a procedural disclosure to make the earnings call audio accessible, it confirms that Home First Finance Company India Limited has completed its mandatory investor communication process for Q1FY27. The availability of the recording allows analysts to scrutinize management’s narrative surrounding the quarter’s financial metrics, including revenue growth, net profit trends, and operational updates, which are detailed in the separate financial results announcement.