Home First Finance Company India Ltd
Investor Press Release on the Financial and Operational Performance of the Company for the quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 27 Jul 2026, 06:01 PM IST · BSE ID: 76cbf1e4-b37b-42bf-939d-4492f52dd4bf
View Original BSE Filing (PDF)
💡
In Simple Terms
The housing finance company reported higher profits, increased loan portfolio, and record loan disbursements for the quarter.
🤖 AI Summary
- Home First Finance Company reported a Profit After Tax (PAT) of ₹160 Cr for Q1 FY27, an increase of 34.5% year-on-year.
- Assets Under Management (AUM) reached ₹16,938 Cr, marking a 25.7% growth compared to Q1 FY26.
- Disbursements achieved a record of ₹1,628 Cr during the quarter, reflecting a 31.0% year-on-year increase.
- Asset quality remained stable with Gross Stage 3 (GNPA) at 1.8% and 30+ DPD at 3.2%, consistent with Q4 FY26.
- Total Income for the quarter was ₹540 Cr, showing an 18.6% year-on-year growth.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Assets Under Management (AUM)
₹16,938 Cr
25.7%
Disbursement
₹1,628 Cr
31.0%
Total Income
₹540 Cr
18.6%
Profit After Tax (PAT)
₹160 Cr
34.5%
Gross Stage 3 (GNPA%)
1.8%
0 bps
Cost to Income (%)
32.7%
-150 bps
🏢 How This Affects the Company
The company reported sustained growth in its core business with Assets Under Management increasing to ₹16,938 Cr and record disbursements of ₹1,628 Cr, indicating continued demand in the affordable housing finance sector.
Profit After Tax grew 34.5% YoY to ₹160 Cr, contributing to a healthy Return on Assets (RoA) of 4.2% and Return on Equity (RoE) of 14.5% for the quarter. Total borrowings stood at ₹10,818 Cr with a liquidity buffer of ₹2,272 Cr.
The company expanded its distribution network by adding 4 new branches, totaling 175 branches and 373 touchpoints, and increased its employee strength by 133 net employees to 1,988, primarily in customer-facing roles.
Asset quality remained stable with Gross Stage 3 (GNPA) at 1.8% and credit cost at 40 bps, indicating effective risk management despite growth in loan book.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, which showed a 34.5% YoY growth in Profit After Tax to ₹160 Cr for Q1 FY27.
🔍
Management Signal
Management's commentary highlights optimism regarding the affordable housing finance sector, aiming for ~25% AUM growth while maintaining focus on profitability and asset quality.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — verify continued AUM and PAT growth.
Updates on Gross Stage 3 (GNPA) — confirm asset quality stability.
Branch network expansion — observe progress towards distribution targets.
LOW RISK
Stable asset quality with Gross Stage 3 at 1.8% and healthy capital adequacy at 42.6% CRAR.
💡 Investor Takeaway
Home First Finance Company reported Q1 FY27 Profit After Tax of ₹160 Cr, a 34.5% YoY increase. Assets Under Management grew 25.7% YoY to ₹16,938 Cr. Gross Stage 3 remained stable at 1.8%, while Return on Assets was 4.2%.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax increased by 34.5% year-on-year to ₹160 Cr, demonstrating improved profitability for the quarter.
- Assets Under Management grew by 25.7% year-on-year to ₹16,938 Cr, indicating robust business expansion and market penetration.
⚠️ Concerns
- Total CRAR decreased to 42.6% as of Jun’26 from 44.1% as of Mar’26, reflecting a reduction in capital adequacy.
- Cost to Income ratio increased by 70 bps quarter-on-quarter to 32.7%, indicating a slight rise in operational expenses relative to income.
📅 Company Track Record
In Q4 FY26, Home First Finance Company reported a Net Profit of ₹149 Cr, up 42.7% YoY, with AUM at ₹15,878 Cr. The company's FY26 Net Profit was ₹3,892.20 million, and a dividend of Rs. 5.20/share was recommended.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Home First Finance Company's Net Profit in Q1 FY27?
Home First Finance Company reported a Net Profit After Tax of ₹160 Cr for Q1 FY27, which is a 34.5% increase year-on-year.
What was the Assets Under Management (AUM) for Home First Finance Company in Q1 FY27?
The Assets Under Management (AUM) for Home First Finance Company stood at ₹16,938 Cr in Q1 FY27, representing a 25.7% year-on-year growth.
What were the disbursements for Home First Finance Company in Q1 FY27?
Disbursements by Home First Finance Company reached a record of ₹1,628 Cr in Q1 FY27, achieving a 31.0% year-on-year growth.
How did Home First Finance Company's asset quality perform in Q1 FY27?
Home First Finance Company maintained stable asset quality in Q1 FY27, with Gross Stage 3 (GNPA) at 1.8% and 30+ DPD at 3.2%, both flat quarter-on-quarter.
What was Home First Finance Company's Return on Assets (RoA) in Q1 FY27?
Home First Finance Company's Return on Assets (RoA) was 4.2% in Q1 FY27, an increase of 50 basis points year-on-year.
Questions based on this BSE filing only. For information purposes.