Home First India (HOMEFIRST) investor relations material

Company overview and business model

• Technology-driven affordable housing finance provider with a pan-India presence, focusing on first-time home buyers and families earning around ₹50,000 per month.

• 83% of assets under management (AUM) are housing loans, with an average ticket size of ₹1.2 million.

• Operates through 171 branches across 144 districts, covering 80% of the affordable housing market.

• Strong liquidity, positive asset-liability management (ALM), and AA credit rating with a diversified lender base.

• Emphasizes data-driven underwriting, digital processes, and a young, empowered workforce.

Financial performance and growth

• AUM reached ₹158,777 million as of March 2026, with a 24.9% year-on-year growth.

• Disbursements for FY26 totaled ₹54,236 million, up 12.9% year-on-year.

• Profit after tax (PAT) for FY26 was ₹5,404 million, a 41.4% increase year-on-year.

• Return on assets (ROA) improved to 3.9%, and return on equity (ROE) stood at 15.7%.

• Maintained a low gross non-performing asset (GNPA) ratio at 1.8%.

Portfolio and customer profile

• 87% of AUM is with customers having a credit history; 68% are salaried, and 32% are self-employed.

• Loan book remains granular, with an average ticket size of ₹1.2 million and a high proportion of small-ticket loans.

• Customer stories highlight support for both self-employed and salaried individuals across diverse geographies.