Can Fin Homes Limited has reported a strong performance for Q4 FY26, with its total loan book reaching ₹42,209 crore, a 10% year-on-year increase. The company achieved a profit after tax (PAT) of ₹346 crore for the quarter. Driven by a robust focus on housing loans and digital acceleration, the institution continues to expand its reach across 21 states and union territories with 249 branches, maintaining excellent asset quality with a Gross NPA of 0.85%.
Key Financial Highlights
Can Fin Homes Limited demonstrated consistent financial momentum in Q4 FY26. The company reported a Net Interest Income (NII) of ₹422 crore and a Profit Before Tax (PBT) of ₹353 crore. The Profit After Tax (PAT) reached ₹346 crore, supported by a one-time impact of Deferred Tax Asset (DTA) of ₹46 crore and an income tax refund of ₹13.50 crore. The company maintained a healthy Net Interest Margin (NIM) of 4.19% and a strong Return on Equity (RoE) of 23.12%.
Portfolio Composition and Asset Quality
The total outstanding loan book stands at ₹42,209 crore. The portfolio remains heavily focused on the residential sector, with Housing Loans constituting 84% of the total book, including Commercial Real Estate (CRE). The company maintains a high-quality borrower base, where Salaried and Professional segments account for 68% of the total outstanding loans. Asset quality remains robust, with a Gross NPA ratio of 0.85% and a Net NPA ratio of 0.37%, underscoring effective risk management and prudent underwriting practices.
Strategic Growth and Digital Transformation
Can Fin Homes continues to prioritize its digital transformation journey to enhance customer service and operational efficiency. Key functional applications, including Risk Management, ALM, Treasury, and Finance & Accounting, have already been successfully implemented. The company is currently moving toward the go-live phase for its Loan Origination System (LOS) and Loan Management System (LMS) in Q1 FY27. This digital shift, combined with a focus on direct sourcing channels, supports the company’s objective of sustainable, long-term growth across its expansive pan-India network of 249 branches.
Source: BSE
