Home First Finance Company India Limited announced a strong performance for Q3FY26. Assets Under Management (AUM) reached ₹14,925 Cr, reflecting a substantial growth of 24.9% year-over-year. Disbursement hit a new high of ₹1,318 Cr, with PAT growing by 44.0% to ₹140 Cr. The company continues to exhibit robust financial health and strategic growth.
Key Financial Highlights for Q3FY26
Home First Finance Company India Limited has demonstrated significant growth and strong financial performance in Q3FY26.
Assets Under Management (AUM)
The company reported an AUM of ₹14,925 Cr, a strong increase of 24.9% year-over-year and 5.3% quarter-over-quarter.
Disbursements
Disbursements reached a new high of ₹1,318 Cr, representing a growth of 10.5% year-over-year and 2.2% quarter-over-quarter.
Profit After Tax (PAT)
PAT increased significantly by 44.0% year-over-year and 6.3% quarter-over-quarter, reaching ₹140 Cr. Return on Assets (RoA) stands at 4.0%.
Asset Quality
Gross Stage 3 (GNPA) is reported at 2.0%.
Key Performance Indicators
Here’s a summary of key performance indicators for Q3FY26:
| Particulars | Q3FY26 | Q3FY25 | y-o-y (%) | Q2FY26 | q-o-q (%) |
| AUM (₹Cr) | 14,925 | 11,949 | 24.9% | 14,178 | 5.3% |
| Disbursement (₹Cr) | 1,318 | 1,193 | 10.5% | 1,289 | 2.2% |
| Total Income (₹Cr) | 484 | 407 | 18.7% | 479 | 1.0% |
| PAT (₹Cr) | 140 | 97 | 44.0% | 132 | 6.3% |
| Spread (%) | 5.4% | 5.2% | +20 bps | 5.3% | +10 bps |
| ROA (%) | 4.0% | 3.4% | +60 bps | 3.8% | +20 bps |
| Gross Stage 3 (%) | 2.0% | 1.7% | +30 bps | 1.9% | +10 bps |
| Cost to Income (%) | 32.1% | 35.2% | -310 bps | 32.0% | +10 bps |
Management Commentary
According to Mr. Manoj Viswanathan, MD & CEO, India’s economy remains resilient. He highlighted the company’s strong business momentum, robust profitability, and stable asset quality. The company continues to grow disbursements and originations, positioning itself for continued success.
Operational Highlights
The company has expanded its network to 165 branches and 368 touchpoints.
Asset Quality and Provisioning
The company maintains a focus on asset quality with a stable 1+ DPD and 30+ DPD. ECL provision as of December 2025 is ₹103 Cr.
Borrowings and Capital Adequacy
Total borrowings are at ₹9,926 Cr, and the company maintains a liquidity buffer. Total CRAR stands at 49.0%.
Source: BSE
