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CANFINHOME · Can Fin Homes Ltd · Consumer Financial Services

CANFINHOME · Can Fin Homes Ltd · Consumer Financial Services

₹748.95+0.7%

As of 06 Nov close

52-week range

52wk low ₹69352wk high ₹971.5

22.9% below 52-week high

52-week range: as of 06 Nov 2026 close.

Price chartDaily closes on the stock page.

Stock Condition:Pro

Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.

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Fundamentals as of 15 Sep 2026 · the company's own latest record is 53 days old

Operating margin above its own averageDebt-to-equity above 1x

Revenue (latest Q)

₹1,096 Cr

Revenue YoY

PAT YoY

+19.6%

Operating margin

Revenue, last 8 quarters

P/E (TTM)

P/B

1.8

P/S (TTM)

2.4

Sector P/E

25.4

Dividend yield

+1.9%

CompanyP/EP/BNet marginROED/EDiv. yield
CANFINHOME (this stock)10.21.8+26.3%+18.9%6.4+1.9%
Bajaj Finance30.85.7+23.8%+17.8%3.22+0.5%
Shriram Finance18.43.6+22.8%+17.2%3.8+1.1%
Jio Financial Services95.51.2+49.8%Not available from data source11.81+0.2%

Promoter

stable

FII

falling 1q

MF

16.54% (+0.26pp)

rising 3q

Insider trades

No insider trades in the last 12 months.

Bulk/block deals

No bulk/block deals in the last 12 months.

News timeline

Concalls & investor presentations

AI-generated
Concall transcriptNeutral17 Oct 2026
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Key takeaway: The Q2 FY27 earnings call for Can Fin Homes Limited highlighted the completion of the IT transformation project, which went fully live across all branches by October 1st. The transition caused a temporary drop in disbursements, particularly in August and September, with Q2 disbursements at INR2,375 crores, down from INR2,600 crores in Q1. Management noted that disbursements in affected branches dropped by 70-75% during implementation but recovered to 80-90% of prior levels in subsequent months. The company adjusted for INR29 crores in cancellations due to NHB guidelines and reported strong demand in regions like Karnataka, with disbursements stabilizing at INR230-250 crores. New regulatory requirements, including wage bill compliance and insurance commission changes, were addressed, though the latter had minimal impact on profitability. The company also mentioned receiving INR1,350 crores in NHB refinance and plans to leverage this for growth. Management guided for INR13,000 crores in annual disbursements, with Q3 and Q4 expected to recover the Q2 shortfall. Operational efficiencies from the IT upgrade are expected to boost sales team capacity, with plans to increase the sales team from 90 to 150 members by year-end. The company also discussed prepayment trends, noting a decline from INR1,857 crores in Q1 to INR1,795 crores in Q2, and emphasized maintaining NIM and spread targets of 2.75-3.75%.

The summary presents factual updates and management commentary without overtly positive or negative language.

Sourced from an exchange-filed transcript, dated 17 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive14 Oct 2026
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Key takeaway: Can Fin Homes Limited's investor presentation following Q2 FY27 results highlights the company's growth, operational efficiency, and strategic initiatives. The company reported a loan book of ₹43,539 crore, net interest income of ₹431 crore, and a profit after tax (PAT) of ₹275 crore for Q2 FY27. The presentation outlines the company's roadmap to 2028, including geographical expansion and product mix adjustments. Can Fin Homes has completed its IT transformation program, PROJECT TEJAS, enhancing digital capabilities and operational efficiency. The company emphasizes responsible lending practices, including digital verification, due diligence, and customer-centric services. Environmental, social, and governance (ESG) initiatives are highlighted, including solar energy installations, waste management, and community outreach programs. The company's shareholding pattern as of September 30, 2026, shows promoter holding 29.99%, mutual funds 14.99%, and individual investors 21.68%. The presentation also details the company's branch expansion, with 274 branches across 21 states and union territories, and its commitment to digital transformation and sustainable practices. The company's financial strength is underscored by its credit ratings and consistent business performance over the years.

The presentation emphasizes the company's growth, successful IT transformation, and strong financial performance, reflecting a positive outlook.

Sourced from an exchange-filed presentation, dated 14 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive09 Oct 2026
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Key takeaway: Can Fin Homes Limited's investor presentation following Q2 FY27 results highlights the company's growth, operational efficiency, and strategic initiatives. The company reported a loan book of ₹43,539 crore, net interest income of ₹431 crore, and a profit after tax (PAT) of ₹275 crore for Q2 FY27. The presentation emphasized the completion of the IT transformation program, PROJECT TEJAS, which modernized the company's technology infrastructure, enhancing operational capabilities and customer experience. The company also outlined its roadmap for 2028, including geographical expansion and product mix adjustments. Financial metrics showed a net interest margin of 3.89% and a return on average assets (RoAA) of 2.42%. The company's asset quality remained stable, with a gross NPA ratio of 0.90% and a net NPA ratio of 0.42%. Can Fin Homes also detailed its ESG initiatives, including environmental sustainability efforts, social responsibility programs, and governance frameworks. The company's shareholding pattern as of September 30, 2026, showed promoters holding 29.99%, mutual funds 14.99%, and individual investors 21.68%. The presentation also included details on the company's branch expansion, reaching 274 branches across 21 states and union territories, and its digital transformation strategies to improve customer service and operational efficiency. The company's credit ratings remained strong, with CARE, ICRA, and IND Ra assigning high ratings to its borrowings. The presentation concluded with a note on the risks associated with forward-looking statements and projections.

The presentation highlights strong financial performance, successful IT transformation, and strategic growth initiatives, indicating a positive outlook.

Sourced from an exchange-filed presentation, dated 09 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.

Concall transcriptNeutral24 Jul 2026
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Key takeaway: During the Q1 FY27 earnings conference call, management reported that Can Fin Homes achieved disbursements of INR 2,609 crores, exceeding the projected INR 2,500 crores due to positive growth across all six operational zones. The salaried segment grew by 21%, while the self-employed and non-housing segments saw growth rates of 44% and 32%, respectively. However, management noted challenges with increased prepayments, leading to a higher rundown of INR 1,857 crores compared to the previous quarter. The company maintained a net interest margin (NIM) of 3.81% and a spread of 2.83%. Management expressed confidence in maintaining credit cost guidance of 10 basis points and highlighted ongoing IT transformation efforts aimed at improving operational efficiency. The call concluded with management reiterating their commitment to achieving a 14% growth in assets under management (AUM) for the year.

Management provided a balanced overview of performance, highlighting both achievements and challenges.

Sourced from an exchange-filed transcript, dated 24 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive20 Jul 2026
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Key takeaway: The investor presentation from Can Fin Homes Limited, submitted on July 20, 2026, provides a comprehensive overview of the company's performance and strategic direction following Q1 FY27 results. Management highlighted a consistent growth trajectory, with a reported profit after tax of ₹268 crore for the quarter, reflecting a 20% year-on-year increase. The presentation detailed the company's commitment to ethical practices, governance, and digital transformation, emphasizing a focus on enhancing customer service and expanding lending to new home aspirants. Key financial metrics included a gross non-performing asset (GNPA) ratio of 0.87% and a net interest margin of 3.81%. The company also outlined its environmental, social, and governance (ESG) initiatives, showcasing efforts in sustainability and community engagement. Overall, the document illustrated Can Fin Homes' robust operational framework and strategic growth plans.

Management emphasized growth and strategic initiatives in the presentation.

Sourced from an exchange-filed presentation, dated 20 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive18 Jul 2026
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Key takeaway: The investor presentation from Can Fin Homes Limited, dated July 18, 2026, provided an overview of the company's performance following Q1 FY27 results. Management highlighted a consistent growth trajectory, with a reported profit after tax of ₹268 crore, reflecting a 20% year-on-year increase. The outstanding loan book reached ₹42,961 crore, marking an 11% growth compared to the previous year. The presentation emphasized the company's commitment to responsible lending practices and digital transformation initiatives aimed at enhancing customer service. Management noted a focus on maintaining asset quality, with gross non-performing assets (GNPA) at 0.87%. The company also outlined its environmental, social, and governance (ESG) initiatives, including sustainability efforts and community engagement programs. The presentation concluded with a commitment to uphold ethical practices and good governance.

Management emphasized growth and strong performance metrics in the presentation.

Sourced from an exchange-filed presentation, dated 18 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive25 Apr 2026
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Key takeaway: Can Fin Homes Limited submitted a revised investor presentation following its Q4 FY26 results. The presentation highlighted the company's 38-year legacy, its promotion by Canara Bank, and its uninterrupted dividend payments since inception. As of March 31, 2026, the company reported a loan book of ₹42,209 crore, a 10% year-on-year increase, with a clientele base of 2.90 lakh. Key financial metrics included a net interest income of ₹422 crore, profit after tax of ₹346 crore, and a gross NPA ratio of 0.85%. The company emphasized its commitment to growth, asset quality, and ethical practices, alongside a focus on digital transformation and customer service enhancement. The presentation also outlined sustainability initiatives and a strong governance framework, including the establishment of a comprehensive data privacy policy. Can Fin Homes aims to expand its sourcing channels and maintain a stable liquidity position.

The presentation emphasized growth, strong financial performance, and commitment to sustainability.

Sourced from an exchange-filed presentation, dated 25 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.

Investor presentationPositive25 Apr 2026
View source filing →

Key takeaway: The investor presentation from Can Fin Homes Limited, dated April 25, 2026, outlines the company's performance following Q4 FY26 results. Management reported a loan book of ₹42,209 crore, reflecting a 10% year-over-year increase, with a clientele base of 2.90 lakh. Key financial metrics included a net interest income of ₹422 crore, profit before tax of ₹353 crore, and profit after tax of ₹346 crore. The presentation highlighted a gross NPA ratio of 0.85% and a net NPA ratio of 0.37%. Management emphasized a commitment to growth, asset quality, and ethical practices, alongside a focus on digital transformation and customer service enhancement. The company also detailed its sustainability initiatives and corporate social responsibility efforts, including environmental and social programs. The presentation concluded with an overview of the company's governance and management structure, showcasing its experienced leadership team.

Management highlighted strong financial performance and ongoing commitment to growth and sustainability.

Sourced from an exchange-filed presentation, dated 25 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.

AI Summary of Annual Report

AI-generated
FY2025-26393 pages

Can Fin Homes Limited reported robust financial performance in FY2025-26, with a focus on digital innovation and operational efficiency. The company expanded its branch network and implemented advanced IT solutions, including a Core Banking Solution (CBS) and AI-driven tools to enhance customer interaction. The report highlights strong asset quality, healthy financial returns, and adherence to regulatory compliance. No significant regulatory actions, defaults, or material legal disputes were noted, and the company maintained its 'ICRA AAA' deposit rating. The company also emphasized its commitment to corporate governance and ESG initiatives.

  • Robust financial performance with healthy returns and strong asset quality.
  • Expansion of branch network and implementation of digital innovations like AI-driven tools and CBS.
  • No defaults in deposit repayment and maintained 'ICRA AAA' deposit rating.
  • No significant regulatory actions or legal disputes noted.
  • Commitment to corporate governance and ESG initiatives.

Key takeaway: Can Fin Homes Limited demonstrated strong operational and financial performance in FY2025-26, with no major regulatory or legal issues, and maintained a solid credit rating, indicating a stable and well-managed business.

The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.

Filed with NSE · 06 Jul 2026View source filing →

Governance disclosures

AI-generated

Needs attention

Auditor Qualification (1 item); Regulatory Action (4 items); Default / Covenant Breach (2 items); Investigation or enforcement mention (2 items)

Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.

Auditor Qualification

1 occurrence

Earlier (1-3 years ago)

Annual Report12 Jul 2024 (FY2023-24)
View source filing →

The auditor provided a disclaimer in its audit report due to non-receipt of information, in accordance with ICAI/NFRA standards.

Regulatory Action

4 occurrences

Recent (last 12 months)

Annual Report06 Jul 2026 (FY2025-26)
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Can Fin Homes Limited has a regulatory action related to outstanding borrowings and potential fines under the Reserve Bank of India's Master Direction for Non-Banking Financial Companies - Housing Finance Companies, as of March 31, 2026.

Earlier (1-3 years ago)

Annual Report12 Jul 2024 (FY2023-24)
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NHB imposed a penalty of ₹29,13,234 plus applicable GST for accepting deposits from five small depositors in contravention of NHB directions in FY 2021-22.

Older (3+ years ago)

Annual Report18 Oct 2023 (FY2022-23)
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NHB imposed a penalty of ₹29,13,234/- plus GST for accepting deposits from small depositors in contravention of NHB directions. The company remitted the penalty and appealed against it.

Annual Report08 Nov 2022 (FY2021-22)Older than 10 years· 7 passages
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NHB imposed a penalty of ₹29,13,234/- plus applicable GST @18% on the company for accepting deposits from five small depositors in contravention of NHB Directions, 2010.

Default / Covenant Breach

2 occurrences

Older (3+ years ago)

Annual Report18 Oct 2023 (FY2022-23)
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The company has defaulted in payment of interest to debenture holders twice consecutively, as outlined in the excerpt.

Annual Report08 Nov 2022 (FY2021-22)
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As of March 31, 2021, Can Fin Homes Ltd had outstanding liabilities of 1,168,079.30 under term loans, as reported in the financial statements under the Reserve Bank of India's directions for housing finance companies.

Investigation or enforcement mention

2 occurrences

Earlier (1-3 years ago)

Annual Report25 Jul 2025 (FY2024-25)
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The company reported multiple instances of fraud involving fabricated documents, collusions, and misappropriation of funds, with 100% provisions created for the affected loan accounts.

Annual Report12 Jul 2024 (FY2023-24)· 2 passages
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The company declared frauds amounting to Rs 57.10 crores during the year, including Rs 16.46 crore in fraudulent loans, Rs 40.21 crore in fund misappropriation, and Rs 0.427 crore in duplicate share certificate frauds, reported to authorities by auditors.

Routine disclosures

Contingent Liability

5 occurrences

Recent (last 12 months)

Annual Report06 Jul 2026 (FY2025-26)· 2 passages
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The company has a provision for contingencies, with a provision at the end of the year for March 31, 2026, though the exact amount is not specified in the excerpt.

Earlier (1-3 years ago)

Annual Report25 Jul 2025 (FY2024-25)
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The company has provisions for contingencies, expenses, etc., as disclosed in Note 32.2 of the financial statements.

Annual Report12 Jul 2024 (FY2023-24)
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The company has a contingent liability related to a pending case before the District Consumer forum where compensation is sought against it. No provision is made in the financial statements for this liability.

Older (3+ years ago)

Annual Report18 Oct 2023 (FY2022-23)
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The company has contingent liabilities related to long-term compensated absence, including sick leave and gratuity obligations, with details provided in Note 36 of the financial statements.

Annual Report08 Nov 2022 (FY2021-22)· 3 passages
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Can Fin Homes Ltd has a provision for contingencies (taxes) as of March 31, 2022, with a provision at the end of the year amounting to (1,063.53) lakhs.

Related-Party Transaction

4 occurrences

Recent (last 12 months)

Annual Report06 Jul 2026 (FY2025-26)
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The company may enter into transactions with Canara Bank, including term loans, commercial papers, overdraft facilities, fixed deposits, and bank charges, with a total limit of 106.68% of FY 2025-26 turnover.

Earlier (1-3 years ago)

Annual Report12 Jul 2024 (FY2023-24)· 4 passages
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The company has outstanding balances of ₹1,48,020.10 lakh and a maximum of ₹1,52,000.00 lakh during the year with related parties as of March 31, 2024, as disclosed in Note 44 of the financial statements.

Older (3+ years ago)

Annual Report18 Oct 2023 (FY2022-23)· 4 passages
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The company has entered into related party transactions with Canara Bank and its subsidiaries, including using their services and entering into agreements, with an outstanding amount of ₹1957.82 Cr as of March 31, 2023.

Annual Report08 Nov 2022 (FY2021-22)· 4 passages
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The company has related party transactions with Canara Bank, Sponsor Bank, and their subsidiaries, including payments for director sitting fees, dividends, and registrar & transfer agency charges, which were approved under the Companies Act, 2013 and SEBI regulations.

Management & Board Governance

2 occurrences

Earlier (1-3 years ago)

Annual Report12 Jul 2024 (FY2023-24)· 4 passages
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Shri Amitabh Chatterjee, Deputy Managing Director (KMP), resigned on June 1, 2023, due to repatriation and transfer back to Canara Bank. Shri Satish Kumar Kalra, an Independent Director, resigned on June 6, 2023.

Older (3+ years ago)

Annual Report18 Oct 2023 (FY2022-23)· 2 passages
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Shri. Prashanth Joishy resigned as CFO on January 03, 2023, and Smt. Veena G Kamath resigned as Company Secretary on June 16, 2023 due to relocation. Shri. G Naganathan vacated his position as Non-executive Independent Director after the 35th Annual General Meeting on September 7, 2022.

Promoter Share Pledge

1 occurrence

Recent (last 12 months)

Structured Filing Data (NSE Pledge Disclosure)18 Jul 2026

7.48% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).

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