Home First Finance Company India Limited has reported a strong performance for the financial year ended March 31, 2026, characterized by robust growth in Assets Under Management (AUM) and profitability. The company achieved a Profit After Tax (PAT) of ₹5,404 million, marking a 41.4% increase over the previous year. Driven by disciplined underwriting and an expanding distribution network, the company continues to focus on affordable housing finance for its diverse customer base.
Key Financial Highlights for FY26
The company sustained significant business momentum throughout the year, with its AUM growing by 24.9% to reach ₹1,58,777 million. This growth was supported by disbursements totaling ₹54,236 million, a 12.9% increase compared to the previous year. Profitability remained strong, with the Return on Assets (ROA) at 3.9% and Return on Equity (ROE) at 15.7%.
Operating Performance in Q4 FY26
For the fourth quarter (January-March 2026), the company delivered strong results with a PAT of ₹1,494 million, reflecting a 42.7% YoY growth. Disbursements for the quarter hit an all-time high of ₹15,724 million, supported by a Net Total Income growth of 37.0% YoY. The quarter also saw significant improvements in asset quality, with GNPA reduced to 1.8% and 30+ DPD standing at 3.2%.
Strategic Growth and Digital Transformation
During FY26, the company expanded its physical footprint by adding 16 branches and 12 touchpoints, bringing the total to 171 branches and 373 touchpoints. Workforce strength also increased to 1,855 employees to support this scaling effort. The company continues to leverage its Cloud-Based Architecture and in-house AI conversational platform to enhance operational efficiency. A highlight of the year was the success of the Green Homes initiative, which achieved 450 cumulative certifications as of March 2026, underscoring the company’s commitment to sustainable financing.
Future Outlook
Looking ahead to FY27, the company is well-positioned for continued success with an AUM growth target of approximately 25%. This growth strategy will be driven by further expansion of its distribution network, deeper technology integration, and diversified funding sources, maintaining its position as a market leader in the affordable housing segment.
Source: BSE
