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DELIVERING DREAMS. DRIVING GROWTH. Q2FY27 Investor Presentation
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2 3 Can Fin Homes LimitedCan Fin Homes Limited About Us Legacy Reach Focus Vision • 38 year old institution registered as a deposit taking HFC with NHB • Promoted by Canara Bank in the year 1987 (shareholding of 30% approx.) • Can Fin Homes is a part of the Canara Group Financial Conglomerate led by Canara Bank • Listed in 1989. Carries a legacy of uninterrupted dividend payment since inception • Headquartered in Bengaluru • Pan-India presence with 274 branches / offices as on Sept 30, 2026 • Spread across 21 States / Union Territories • To promote home ownership across India, with a motto of friendship finance and good service • To focus on Housing loans to Individuals • To have strong fundamentals with ethical & transparent practices and prudent underwriting • To increase lending to new home aspirants, enhance value for our stakeholders, uphold our ethics and good corporate governance
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2 3 Can Fin Homes LimitedCan Fin Homes Limited Journey So Far 2015 Rights issue of CFHL– mCap over `1,000 Cr Split of equity shares from `10 each to `2 each (w.e.f. 13/10/17). 2019 AUM crossed `20,000 Cr in December 2019. 2013 • 100th branch at Begur, Bengaluru. • 1st satellite office at Yelahanka. 2012 • Completed 25 years. • 50th branch opened at NCR - Pitampura. 2025 AUM crossed ` 40,000 Cr. in Dec. 2025 2026 • Best Digital Transformation Initiative in the Housing Finance segment accolade by Quantic India. • PAT Crossed ` 1000 Crores • 250th Branch at Thane, Maharashtra 1991 Loan book crossed `100 Cr. 1987 First branch of CFHL opened at Jayanagar, Bengaluru. 2011 41 branches. We started expanding. 2016 Loan book over `10,000 Cr. 2017 • 11 more branches were added, including New Delhi • Public Issue of 36 lakhs equity shares of `10 each and listing on BSE 1989
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4 5 Can Fin Homes LimitedCan Fin Homes Limited Reinforce • Company will continue its thrust on growth, asset quality, profitability and liquidity • Unwavering focus on good governance and due diligence • No deviation from the fundamental ethos of the company • Utmost adherence to ethics, fair play, team work and the pursuit of excellence • As always, priority will be given for compliance, audit and risk Rebuild • Company intends to evolve further with the help of technology, duly keeping abreast with the changes in digitalization • Seamless integration of new processes with the tried and tested ones for better, improved customer service • Thrust on direct sourcing to enhance the Company’s loan portfolio Reach Higher • Expansion of sourcing channels to attract different segments of borrowers, thus facilitating the Company’s upward trajectory • Ensure that the products and services offered by the Company are environment friendly and in tune with the rationale of ecological conservation Journey So Far
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4 5 Can Fin Homes LimitedCan Fin Homes Limited Our Strengths • Consistent management support and guidance from the sponsor - Canara Bank • Expertise gained over 38 years in housing finance • Eminent personalities with rich experience on the Board • Quick, hassle-free and customer-friendly lending process • Transparent and timely updation to stakeholders • Risk based evaluation of borrowers on merit • Single Window branch led loan process • Consistent and stable liquidity position • Increased dividend year after year
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6 7 Can Fin Homes LimitedCan Fin Homes Limited Credit Rating Borrowings CARE ICRA IND Ra Term Loans (Long Term Loan) AAA/Stable AAA/Stable Term Loans (Short Term Loan) A1+ NHB Borrowings AAA/Stable Commercial Papers (CPs) A1+ A1+ Non-Convertible Debentures (NCDs) AAA/Stable AAA/Stable AAA/Stable Public Deposits AAA/Stable Position as on 30/09/2026
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6 7 Can Fin Homes LimitedCan Fin Homes Limited Board of Directors Shri Ajai Kumar Director (Independent) Shri Murali Ramaswami Director (Independent) Shri Suresh S Iyer Managing Director & CEO Shri Hardeep Singh Ahluwalia Non-Executive Director (Promoter) Smt Varsha Vasant Purandare Director (Independent) (w.e.f 30/07/2026) Smt Shubhalakshmi Aamod Panse Director (Independent) (upto 29/07/2026) Shri Vikram Saha Deputy Managing Director (upto 15/04/2026) Shri Shailesh Kumar Singh Deputy Managing Director (w.e.f. 03/07/2026) Shri Swarupananda Mallick Director (Independent) (upto 30/07/2026) Shri Arvind Narayan Yennemadi Director (Independent)
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8 9 Can Fin Homes LimitedCan Fin Homes Limited Shri Prakash Shanbhogue President - Business Total Exp: 33 Years Service in Can Fin - 33 Years Shri A Uthaya Kumar President - Assurance and Chief Risk Officer (CRO) Total Exp: 32 Years Service in Can Fin - 32 Years Shri Nilesh Jain Company Secretary and Head - Board Secretariat Total Exp: 23 Years Service in Can Fin - 3 Years Shri Abhishek Mishra Chief Financial Officer Total Exp: 22 Years Service in Can Fin - 1 Year Shri D R Prabhu Vice President & Chief Compliance Officer (CCO) Total Exp: 37 Years Service in Can Fin - 37 Years Shri A Narayanan Chief Information Officer (CIO) Total Exp: 35 Years Service in Can Fin - 1 Year Shri Jagadish U Bhat Head - Credit Total Exp: 25 Years Service in Can Fin - 4 Months Shri Prashanth Joishy Head – Products and Strategy Total Exp: 36 Years Service in Can Fin - 36 Years Shri P Ratheesh Kumar Chief Audit Officer Total Exp: 29 Years Service in Can Fin - 29 Years Experienced Management Team
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8 9 Can Fin Homes LimitedCan Fin Homes Limited Can Fin Homes Limited Business Overview
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10 11 Can Fin Homes LimitedCan Fin Homes Limited PAT ` in Crore FY16 FY17 FY18 FY19 FY20 FY26 0 200 400 600 800 1,000 1,200 297 374 FY21 456 FY22 470 FY23 621 FY24 750 FY25 857 1,086 157 235 287 FY16 FY17 FY18 FY19 FY20 FY26 0.0 0.2 0.4 0.6 0.8 1.0 0.62% 0.76% FY21 0.91% FY22 0.64% FY23 0.55% FY24 0.82% FY25 0.87% 0.85% 0.19% 0.21% 0.43% GNPA FY16 FY17 FY18 FY19 FY20 FY26 0.0 0.5 1.0 1.5 2.0 2.5 3.0 2.16% 2.45% FY21 2.78% FY22 2.55% FY23 2.31% FY24 2.67% FY25 2.55% 2.86% 2.49% 2.61% 2.63% SPREAD (%) Consistent Business Performance ` in CroreAUM FY16 FY17 FY18 FY19 FY20 FY26 0 5,000 10,000 15,000 25,000 30,000 40,000 35,000 45,000 20,000 18,381 20,706 FY21 22,105 FY22 26,711 FY23 31,563 FY24 34,999 FY25 38,217 42,209 10,643 13,313 15,743
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10 11 Can Fin Homes LimitedCan Fin Homes Limited Roadmap - 2028 Geographical Concentration (Incremental Disbursement) Rest of India South 40%34% 60%66% June-26March-23 Sept-26 Mar-28 (Proj) 35% 65%72% March-23 11% 89% Sept-26June-26 Mar-28 (Proj) 20% 80% 17% 16% 83% 84% Product Mix (AUM) NHL HL 28%
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12 13 Can Fin Homes LimitedCan Fin Homes Limited Roadmap - 2028 Segment Mix (AUM) SENP Salaried Sourcing Mix (Incremental Disbursement) Digital DSA Direct (Walk-ins) Marketing Team 32% 33% 68% 67% 35% 65% June-26 Sept-26 Mar-28 (Proj) March-23 22% 78% 79% 10% 11% Sept-26 11% 9% 80% 20% 10% 10% 60% June-26 Mar-28 (Proj) March-23 14% 86%
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12 13 Can Fin Homes LimitedCan Fin Homes Limited Digital Acceleration & Strategy
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14 15 Can Fin Homes LimitedCan Fin Homes Limited Responsible Lending Practices Lead Generation Through Website, Customer Referral, Direct Marketing and DSA Channel. Due Diligence • CKYC UIDAI linked verification • Bank account verification through PERFIOS • Field verification of residence, employment, property in each proposal • Online PAN verification • Online ITR verification • Online CERSAI verification Legal verification Through empanelled Advocate, Cross verification through State Govt. Land portal. Valuation • Through professional Valuers, validation of rates through market linked web sites • Mobile-based app for all valuers • Tie-up with Valocity On Boarding Outsourcing Disbursement Centralized Disbursement post verification of documents CRM Review of all branch loan sanctions by central credit review monitoring team at Head Office Sanction • Single Window - At branch level for loans up to delegated power of Branch Head • Head Office / Zonal Office for loans beyond sanctioning powers of branch heads
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14 15 Can Fin Homes LimitedCan Fin Homes Limited Responsible Lending Practices Pre-filled System Generated documents ready for execution Collection • Through E -NACH, Salary deduction. • Option for online payment • Tie-up for cash collection from Branch • BBPS option Centralised Document Storage. • Vetting of security documents with alternate empanelled advocates Storage of Loan DocketsDocumentation Repayment Financial Governance & Controls Reconciliation Auto reconciliation module for Bank reconciliation Statutory Payments Centralized statutory payments like TDS, GST, PT, ESI etc. Monitoring • Data mining for EWS • Monthly OTMS reports • Zonal Risk Monitoring Vendor Payments Centralized vendor payments
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16 17 Can Fin Homes LimitedCan Fin Homes Limited Transforming the homeownership journey with the brilliance of automation
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16 17 Can Fin Homes LimitedCan Fin Homes Limited PROJECT TEJAS It gives me immense pleasure to announce the successful completion of the IT Transformation Program at Can Fin Homes Limited, a landmark initiative that represents a significant milestone in our journey towards becoming a more agile, customer-centric, and digitally enabled organization. In an increasingly dynamic financial services landscape, the ability to leverage technology effectively is critical to delivering superior customer experiences, enhancing operational efficiency, strengthening governance, and supporting sustainable growth. Recognizing this imperative, Can Fin Homes embarked on a comprehensive IT transformation journey aimed at modernizing our technology ecosystem and building a future-ready digital foundation. The successful completion of this program is a testament to our unwavering commitment to innovation and excellence. The transformed platform equips our organization with enhanced operational capabilities, improved scalability, stronger security frameworks, streamlined business processes, and enriched digital experiences for our customers, employees, and business partners. I would like to place on record my sincere appreciation for the dedication and hard work demonstrated by our employees, leadership team, and project stakeholders who contributed tirelessly to the success of this strategic initiative. Their commitment, resilience, and collaborative spirit ensured that this complex transformation was executed effectively while maintaining our focus on customers and business continuity. I would also like to extend our heartfelt gratitude to IBM, our System Integration partner, for their valuable expertise, professionalism, and steadfast support throughout the transformation journey. IBM’s deep domain knowledge, technological capabilities, and collaborative approach played a pivotal role in helping us realize our vision and successfully deliver this large-scale program. This achievement is not merely the completion of a project; it marks the beginning of a new chapter for Can Fin Homes. The modern technology foundation we have established today will enable us to accelerate innovation, respond more effectively to evolving customer needs, strengthen risk management practices, and pursue growth opportunities with greater confidence and agility. As we move forward, we remain committed to leveraging technology as a strategic enabler to create long-term value for all our stakeholders and to further strengthen our position as a trusted housing finance institution. On behalf of the Board of Directors, I congratulate everyone involved in this remarkable accomplishment and look forward to the continued success of Can Fin Homes Limited in the years ahead. Shri. Hardeep Singh Ahluwalia Executive Director, Canara Bank, Non-Executive Director, Can Fin Homes
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18 19 Can Fin Homes LimitedCan Fin Homes Limited Digital Framework Driving Growth through Intelligent, Secure & Customer-Centric Digital Capabilities Security Services All Solutions Live Infrastructure Services All Services Live Business Applications All Modules Live Risk Mgmt / ALM EMS DLP DAM SIEM / SOC Network Security IDAM Finance & Accounting Cloud Infra (AWS) & API Manager Lift and Shift (CKYC, ADF, RBIA) HRMS LOS & LMS Reporting CB & I Aadhaar Data Vault Document Management Sys. Deposits SD-WAN Network Desktop Migration Azure AD on AWS Email & Collaoration AIOps Monitoring ITSM Platform
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18 19 Can Fin Homes LimitedCan Fin Homes Limited IT Transformation Status Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) Human Resource Management System (HRMS) M/s Workline Implemented (Q3 FY26) Aadhaar Data Vault (ADV) M/s Trustt Implemented (Q3 FY26) Document Management System (DMS) M/s Newgen Implemented (Q3 FY26) Finance & Accounting (Sprint-2) M/s Infor (India) Implemented (Q4 FY26) Deposits M/s Kiya Implemented (Q4 FY26) Technical Solutions OEM Status Cloud Setup Amazon Web Services Implemented (Q2 FY26) Active Directory Setup Amazon Web Services & Microsoft Implemented (Q2 FY26) Mailing and Collaboration Microsoft Implemented (Q2 FY26) Software Defined Wide Area Network (SD-WAN) Fortinet Implemented (Q2 FY26) Network Operations Centre (NOC) MotaData Implemented (Q3 FY26) Security Operations Centre (SOC) DNIF Implemented (Q3 FY26) IT Service Management (ITSM) MotaData Implemented (Q3 FY26) Functional Applications OEM Status Reports M/s Shephertz Fully Implemented (Q2 FY27) Loan Origination System (LOS) M/s Pennant Technologies Fully Implemented (Q2 FY27) Loan Management System (LMS) M/s Pennant Technologies Fully Implemented (Q2 FY27) IBM: System Integrator | PwC: Consulting Services | KPMG: Implementation Support
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20 21 Can Fin Homes LimitedCan Fin Homes Limited Impact of PROJECT TEJAS Month of Impact # of Branches Avg Disb. Q1 FY27 July 2026 Aug 2026 Sept 2026 Impact on Disbursements July 2026 5 29.22 9.94 24.22 20.36 33.14 Aug 2026 75 150.85 165.02 33.85 118.28 177.91 Sept 2026 77 253.82 269.74 255.59 108.83 146.76 Oct 2026 95 435.67 458.45 424.38 481.08 - Total 252 869.56 903.15 738.04 728.55 357.82
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20 21 Can Fin Homes LimitedCan Fin Homes Limited Business Highlights
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22 23 Can Fin Homes LimitedCan Fin Homes Limited Performance Highlights - Q2 FY27 0 10,000 20,000 30,000 40,000 50,000 Q2 FY 25 Q2 FY 26 Q2 FY 27 36,591 39,657 43,539 0 150 300 450 600 340 404 431 Q2 FY 25 Q2 FY 26 Q2 FY 27 0 100 200 300 400 500 274 332 347 Q2 FY 25 Q2 FY 26 Q2 FY 27 Loan Book (` in crore) Net Interest Income (` in crore) PBT (` in crore) 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 Q2 FY 25 Q2 FY 26 Q2 FY 27 3.75% 4.02% 3.89% 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 Q2 FY 25 Q2 FY 26 Q2 FY 27 2.29% 2.46% 2.42% Net Interest Margin RoAA 0 100 200 300 400 500 211 251 275 Q2 FY 25 Q2 FY 26 Q2 FY 27 PAT (` in crore)
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22 23 Can Fin Homes LimitedCan Fin Homes Limited Performance Highlights - Q2 FY27 0 5 10 15 20 25 17.10% 18.55% 19.59% Q2 FY 25 Q2 FY 26 Q2 FY 27 Cost to Income Ratio 0 5 10 15 20 25 Q2 FY 25 Q2 FY 26 Q2 FY 27 17.99% 18.41% 17.12% RoE 0 15 10 5 20 25 30 35 Q2 FY 25 Q2 FY 26 Q2 FY 27 15.88 18.88 20.62 EPS (`) 0 5 10 15 7.19 6.61 6.09 Q2 FY 25 Q2 FY 26 Q2 FY 27 DER 0.0 0.2 0.4 0.6 0.8 1.0 1.2 0.88% 0.94% o.90% Q2 FY 25 Q2 FY 26 Q2 FY 27 GNPA 0.0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.47% 0.48% 0.42% Q2 FY 25 Q2 FY 26 Q2 FY 27 Net NPA
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24 25 Can Fin Homes LimitedCan Fin Homes Limited SI. No. Particulars Period Ended Sept'26 (3m) Sept'25 (3m) Jun'26 (3m) 1 New Approvals 2604 2680 2795 2 Disbursements 2373 2545 2609 3 Outstanding Loan Book 43539 39657 42961 4 Net Interest Income 431 404 427 5 Operating Profit 355 335 352 6 ECL Provision 8 3 13 7 Profit Before Tax 347 332 339 8 Profit After Tax 275 251 268 9 Gross NPA 392 373 376 10 Gross NPA Ratio (%) 0.90% 0.94% 0.87% 11 Net NPA* 185 191 171 12 Net NPA Ratio (%)* 0.42% 0.48% 0.40% Performance Highlights - Q2FY27 *Excluding Management Overlay ` in Crore
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24 25 Can Fin Homes LimitedCan Fin Homes Limited Key Financial Ratios - Q2FY27 SI. No. Particulars Period Ended Sept'26 (3m) Sept'25 (3m) Jun'26 (3m) 1 Return on Avg. Assets (%) 2.42% 2.46% 2.39% 2 Return on Avg. Equity (%) 17.12% 18.41% 17.15% 3 Earnings Per Share (`) 20.62 18.88 20.12 4 Net Interest Margin (%) 3.89% 4.02% 3.81% 5 Yield on Loan Portfolio (%) 9.84% 10.08% 9.81% 6 Cost of Borrowing (%) 7.03% 7.17% 6.98% 7 Spread (%) 2.81% 2.91% 2.83% 8 Avg. Business Per Branch (` Crore) 159 160 172 9 Avg. Business per Employee (` Crore) 29 30 31 10 Cost Income Ratio (%) 19.59% 18.55% 19.52% 11 Debit Equity Ratio 6.09% 6.61 6.18
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26 27 Can Fin Homes LimitedCan Fin Homes Limited Performance Highlights - H1 FY27 ` in Crore SI. No. Particulars Year on Year (As per IND AS) Sept’26 (6m) Sept'25 (6m) Growth (%) 1 New Approvals 5399 4739 14% 2 Disbursements 4982 4560 9% 3 Outstanding Loan Book 43539 39657 10% 4 Net Interest Income 859 767 12% 5 Operating Profit 706 639 10% 6 ECL Provision 20 29 31% 7 Profit Before Tax 686 609 13% 8 Profit After Tax 542 475 14% 9 Gross NPA 392 373 10 Gross NPA Ratio (%) 0.90% 0.94% 11 Net NPA* 185 191 12 Net NPA Ratio (%) 0.43% 0.48% *Excluding Management Overlay
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26 27 Can Fin Homes LimitedCan Fin Homes Limited Portfolio Composition & Mix
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28 29 Can Fin Homes LimitedCan Fin Homes Limited Segment wise AUM AUM Q2FY 26 1% 1% 14% 54% 30% AUM Q2FY 27 1% 1% 13% 53% 32%Sal - Govt. Sal - Private Sal - PSU/Banks SENP Prof Housing LAP and Mort Housing CRE Top-up Others AUM Q2FY 26 6% 74% 11% 7% 2% AUM Q2FY 27 72% 12% 9% 2% 5% Product wise AUM
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28 29 Can Fin Homes LimitedCan Fin Homes Limited Purpose wise AUM * Others include Site loan, Loan against rent receivables, Loans for commercial property, Loans for children education, Personal loans, Commercial housing loans, Isecure loan AUM Q2FY 26 61% 6% 5% 2% 9% 17% Resale Flat Renovation Mort + LAP + Top-up Others Construction AUM Q2FY 27 61% 7% 18%7% 6%1% Ticket Size wise AUM <20 Lakhs 20-35 Lakhs 35-50 Lakhs 50-100 Lakhs >100 Lakhs AUM Q2FY 26 37% 14% 7% 1% 41% AUM Q2FY 27 43% 1% 32%16% 9%
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30 31 Can Fin Homes LimitedCan Fin Homes Limited Loan Amount Wise Disbursement and AUM H1 FY26 H1 FY27 Disbursement 0-10L 10-20L 20-30L >30L 10% 27% 43% 21% 6% 24% 34% 46% AUM Sept 26 Sept 25 0-10L 10-20L 20-30L >30L 29% 28% 6% 12% 26% 34% 31% 34%
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30 31 Can Fin Homes LimitedCan Fin Homes Limited The Sourcing Funnel
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32 33 Can Fin Homes LimitedCan Fin Homes Limited Growth Catalysts 179130 8308 FY 2025 FY 2026 H1 FY 2027 826 560 883 564 8822 3858 Sourcing Channel FY25 FY26 H1FY27 Business from old branches 8308 8822 3858 Sales Team 130 883 564 New Branches (Opened after Mar 2023) 179 826 560 Total 8568 10531 4982 Business from Old Branches Sales TeamNew Branches (` In Crore)
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32 33 Can Fin Homes LimitedCan Fin Homes Limited Sourcing Mix FY24 FY25 FY26 H1FY27 Active DSAs 1184 1245 1695 1879 Total Disbursement (Crores) 8117 8568 10531 4982 Total DSA Sourced Amount (Crores) 6669 6832 8404 3948 % Share of Total Business 82% 80% 80% 79% Share of Top-20 DSAs Amount (Crores) 844 878 841 405 % Share of Total Business 10% 10% 8% 8%
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34 35 Can Fin Homes LimitedCan Fin Homes Limited Zone wise Contribution - Q2FY 26 Zone wise Branches North EastWest Karnataka Tamil Nadu Telangana 0% 0% 0% 0% 0% 0% North EastWest Karnataka Tamil Nadu Telangana Zone wise AUM North EastWest Karnataka Tamil Nadu Telangana 29% 11% 15% 9% 16% 0% 0% 0% 0% 0% 19% (44) 8% (19) 22% (51) 13% (30) 17% (40) 21% (50) 20% Zone wise Disbursement (`2,545 Cr.) 28% 19% 14% 9% 14% 17%
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34 35 Can Fin Homes LimitedCan Fin Homes Limited Zone wise Contribution - Q2FY 27 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 16% (46) 28% 27% 9% (25) 10% 17% 22% (58) 14% 15% 15% (42) 8% 9% 18% (50) 17% 14% 20% (53) 23% 18% Zone wise Branches North EastWest Karnataka Tamil Nadu Telangana Zone wise Disbursement (`2,373 Cr.) North EastWest Karnataka Tamil Nadu Telangana Zone wise AUM North EastWest Karnataka Tamil Nadu Telangana
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36 37 Can Fin Homes LimitedCan Fin Homes Limited Branch Expansion Zone Branches Prior to March 2023 New Branches After 2023 Count Count North 27 23 West 38 21 East 26 16 Karnataka 42 3 Tamil Nadu 36 17 Telangana 19 6 Total 188 86
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36 37 Can Fin Homes LimitedCan Fin Homes Limited Lending Basket ` in Crore Sl. No. Particulars Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 1 Salaried & Professionals i) Housing Loans 24,255 24,379 24,909 24,241 24,388 ii) Repairs & Renovation 548 670 695 819 824 iii) Mortgage Loans 1,239 1,362 1,503 1,657 1,667 iv) Top-up Loans 1,261 1,294 1,337 1,198 1,205 v) Loans for Sites 233 244 253 984 990 vi) Others 50 53 54 149 150 Sub Total 27,586 28,002 28,751 29,048 29,224 (As a % to total) 70% 69% 68% 68% 67% 2 Non-Salaried Class - Self-Employed & Non-Professionals i) Housing Loans 9,317 9,638 10,104 10,113 10,409 ii) Repairs & Renovation 338 406 434 535 551 iii) Mortgage Loans 1,524 1,689 1,882 2,059 2,119 iv) Top-up Loans 651 686 730 641 660 v) Loans for Sites 143 168 194 420 432 vi) Others 67 71 80 105 108 Sub Total 12,040 12,658 13,424 13,873 14,279 (As a % to total) 30% 31% 32% 32% 33% 3 Staff Loans 31 33 34 40 36 Grand Total 39,657 40,693 42,209 42,961 43,539 Category-Wise Product-Wise Distribution of Loan Book
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38 39 Can Fin Homes LimitedCan Fin Homes Limited Funding Basket Total Borrowings: `39,078 Crore Funding Mix @ Sept 2026 (as %) Structure wise breakup of borrowings 65% 14% 14% 6% 1% Total Borrowings: `36,107 Crore Funding Mix @ Sept 2025 (as %) 57% 14% 22% 6% 1% Particulars Q2 FY27 NCD 5,624.59 CP 2,472.52 Deposit 238.70 NHB 5,568.11 Bank borrowings Repo linked 15,537.44 Special Rate 6,464.76 T bill linked 1,774.90 Gsec linked 1,396.80 Total Borrowings 39,077.81 Asset and Liability Mix - Fixed V/s. Floating Fixed Floating Total Assets (A) 0.22 43,627.95 43,628.17 Liabilities (L) 8,035.45 31,042.37 39,077.81 (` In Crore) (` In Crore) Banks NCDNHB CP Deposits
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38 39 Can Fin Homes LimitedCan Fin Homes Limited Financial Strength
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40 41 Can Fin Homes LimitedCan Fin Homes Limited Yield, Cost, NIM and Spread (As at the end of each quarter) Yield Cost NIM Spread Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 Q1 FY 26-27 Q2 FY 26-27 10.08% 10.06% 9.81% 9.83% 6.98% 7.01% 3.88% 2.82%2.83% 7.26% 3.89% 3.89%3.83% 2.82%2.79% 7.20% 3.93% 2.86% 10.09% 7.29%
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40 41 Can Fin Homes LimitedCan Fin Homes Limited Share of Annual Reset Loans to AUM Particulars (for the quarter) Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Yield 10.08% 10.07% 9.99% 9.81% 9.84% Cost of Funds 7.17% 7.14% 7.07% 6.98% 7.03% Spread 2.91% 2.93% 2.92% 2.83% 2.81% Benchmark Rate 9.35% 9.25% 9.10% 9.10% 9.10% Annual Reset Loan % to total AUM 59.75% 54.04% 48.34% 13.18% 12.37%
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42 43 Can Fin Homes LimitedCan Fin Homes Limited Movement of Delinquency Pool Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Total Delinquency 3,802 3,618 3,375 3,442 3,661 Outstanding 39,657 40,693 42,209 42,961 43,539 % 9.58% 8.89% 7.99% 8.01% 8.41% ` in Crore Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 9.58% 8.89% 7.99% 8.01% 8.41%
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42 43 Can Fin Homes LimitedCan Fin Homes Limited 59 210 59 59 205 207 NPA and Provision Gross NPA & Net NPA (%) Provision held ` in Crore Q3 FY 25- 26 Provision for NPA Management Overlay 59 184 Q2 FY 25- 26 59 182 Q4 FY 25- 26Q2 FY 25-26 Q3 FY 25-26 Q4 FY 25-26 GNPA NET NPA 0.48 0.49 0.40 0.42 0.94 0.92 0.85 0.87 0.90 0.37 Q1 FY 26- 27 Q2 FY 26-27Q1 FY 26-27 Q2 FY26-27
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44 45 Can Fin Homes LimitedCan Fin Homes Limited Total Provisions Held Asset Classification ECL Stages Balance as on 30 Sept 2026 Provision as per IRAC Provision as per ECL model Standard Asset 1 39879 187 213 SMA 0 1 1354 SMA 1 2 1082 SMA 2 2 832 NPA 3 392 186 207 Total Portfolio 43539 373 420 Undisbursed Loan Commitment 1423 - 6 Management Overlay 59 59 Provision for Restructured Accounts 49 40 ` in Crore The SMA/NPA Classification is based on the due date which falls on the last day of the calendar month
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44 45 Can Fin Homes LimitedCan Fin Homes Limited PCR with Management Overlay Particulars H1 FY26 As % of GNPA H1 FY27 As % of GNPA Gross NPA 373 392 A. ECL Provision (Stage 3) 182 49% 207 53% B. Management Overlay 59 59 Total Provision available (A+B) 241 65% 266 68% C. Prov for Restructured Pool 40 40 Total Provision available (A+B+C) 281 75% 306 78% D. Provision for Std Asset and Undisbursed Loan commitment 215 219 Total Provision (A+B+C+D) 495 526 ` in Crore
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46 47 Can Fin Homes LimitedCan Fin Homes Limited Quarter Opening Balance (A) Disbursement (B) Amortization + Pre-payment (C) Closing Balance (D=A+B-C) Run Down E= C/A Q2 FY 23 27538 2275 990 28823 3.69% Q3 FY 23 28823 2408 1116 30115 4.05% Q4 FY 23 30115 2538 1090 31563 3.68% Q1 FY 24 31563 1966 1024 32505 3.31% Q2 FY 24 32505 2019 1165 33359 3.64% Q3 FY 24 33359 1879 1185 34053 3.61% Q4 FY 24 34053 2313 1367 34999 4.01% Q1 FY 25 34999 1853 1295 35557 3.64% Q2 FY 25 35557 2381 1347 36591 3.79% Q3 FY 25 36591 1879 1315 37155 3.59% Q4 FY 25 37155 2455 1393 38217 3.74% Q1 FY 26 38217 2015 1459 38773 3.81% Q2 FY 26 38773 2545 1661 39657 4.28% Q3 FY 26 39657 2727 1691 40693 4.26% Q4 FY 26 40693 3246 1730 42209 4.25% Q1 FY 27 42209 2609 1857 42961 4.40% Q2 FY 27 42961 2373 1795 43539 4.17% ` in Crore Run Down Ratios
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46 47 Can Fin Homes LimitedCan Fin Homes Limited As on 30.09.2026 Shareholding Pattern Category Shareholding as % Promoter 29.99 Mutual Funds 14.99 Individual 21.68 Foreign Corporate Bodies 12.51 Bodies Corporate 10.19 Others 10.64 Grand Total 100.00 Promoter Individual Mutual Funds Foreign Corporate Bodies Bodies Corporate Others 12.51% 10.19% 10.64% 29.99% 14.99%21.68%
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48 49 Can Fin Homes LimitedCan Fin Homes Limited Environmental, Social and Governance (ESG) Environment The Company has undertaken several sustainability initiatives to strengthen its commitment to environmental responsibility. Some of the key efforts include: • The Company has installed a 25-kW rooftop solar system at the registered office. During FY 2025-26, the system generated approximately 8,140 kWh of clean energy, contributing to the Company’s sustainability and carbon reduction goals. • Launched the Rooftop Solar Loan Scheme, aimed at empowering customers by offering financial support for the purchase and installation of rooftop solar photovoltaic systems ranging from 3 KW to 10 KW. • The Company has successfully recycled 0.88 tonnes of e-waste generated from its operations in FY 2025-26 through authorized and certified vendor, ensuring environmentally responsible disposal and recovery in compliance with applicable environmental regulations. • All offices have successfully switched to LED lighting, significantly cutting electricity usage while fostering sustainable practices. Additionally, the Company’s Registered Office and 16 branches operate with solar-backed UPS systems, further reinforcing eco- friendly initiatives. • The Company has implemented motion-sensor lighting systems at its Registered Office to optimize energy usage and reduce unnecessary electricity consumption. • The Company has also conducted a climate risk assessment to identify and evaluate both physical and transition risks associated with climate change. • The Company has phased out all old two-wheelers with higher emission levels through disposal or selling initiatives contributing to the reduction of its environmental footprint. • The Company has strengthened its waste management practices by installing waste segregation bins at its Registered Office, promoting responsible waste disposal and recycling. During the FY 2025-26, the Company recycled 0.40 tonnes of paper waste and utilized recycled paper for approximately 30% of its total paper consumption, reflecting its commitment to resource conservation and environmental sustainability. • The Company is actively minimizing single-use plastic consumption across all offices and branches. Initiatives include eliminating plastic bottles and straws for beverages while encouraging the adoption of eco-friendly alternatives. • A rainwater harvesting system has been installed at the Registered Office Building, supporting sustainable water management efforts. Additionally, water-efficient taps have been implemented to reduce water wastage. Social The Company has undertaken several sustainability initiatives to strengthen its commitment to social responsibility. Some of the key efforts include: • The Company organized a Blood Donation Camp at its Registered Office, fostering employee participation in community health and welfare initiative. This reinforced the Company’s commitment to community well-being, creating a positive social impact and supporting healthcare needs within the community. • The Company organized weekly ESG awareness quiz to promote employee engagement and strengthen understanding of sustainability-related concepts and responsible busi-ness practices.
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48 49 Can Fin Homes LimitedCan Fin Homes Limited • The Company circulated ESG awareness posters via email on various sustainability themes, including environmental conservation, social responsibility, workplace well-being, and ethical governance. This initiative enhanced employee awareness of sustainability across the organization. • The Company organized a Badminton Tournament to promote employee wellness, teamwork, and a healthy work-life balance, contributing to a positive and engaging workplace environment. • The Company conducted the “State Spotlight – Many States, One India: Building Dreams, Celebrating Diversity” campaign to celebrate the cultural richness and diversity of India. Through this initiative, the Company promoted inclusivity, cultural appreciation, and employee engagement, reinforcing its commitment to fostering a diverse, respect-ful, and cohesive work environment. • The Company urged employees aged 40 years and above to undergo preventive health check-ups as part of its employee wellness initiatives. The initiative aimed to promote proactive healthcare, facilitate early identification of potential health risks, and foster a culture of health awareness and well-being across the organization. • The Company also organized Health & Wellness awareness sessions focused on employee well-being, preventive healthcare, and healthy lifestyle practices. These sessions encouraged employees to adopt a proactive approach towards their health and well-being, reinforcing the Company’s commitment to building a healthy, engaged, and productive workforce. • The Company is committed to promoting fair employment practices by ensuring equal opportunities, diversity, and non-discrimination across all levels of the organization. In line with this commitment, the number of female employees increased from 315 to 336, representing a 6.67% increase as of 31st August 2026 compared to the previous financial year, further strengthening gender diversity and fostering an inclusive workplace culture. • The Company successfully conducted training programs covering a diverse range of topics, reaching approximately 89% of its workforce during the FY 2025-26. Further, the Company reported zero complaints relating to sexual harassment, workplace discrimination, forced labour, human rights violations, data privacy, and cyber security incidents, reflecting its commitment to fostering a safe, inclusive, and ethically governed workplace. • The Company undertook various CSR initiatives across key focus areas including animal welfare, waste management, clean energy, safe drinking water, sanitation, water management, education, healthcare, tree plantation, women’s empowerment, and support for vulnerable underserved communities. • The Company remains committed to employee well-being and engagement by providing comprehensive benefits, including life insurance, parental insurance, medical insurance, accident insurance, and maternity and paternity leave. Additionally, the Company conducted an Employee Satisfaction Survey across the organization to assess employee engagement, gather structured feedback, and identify opportunities for enhancing the overall employee experience. • The Company introduced a QR code-based customer feedback mechanism across its branches, to enable customers and other stakeholders to conveniently share their feedback, concerns and service experience. • The Company conducted Customer Meet programmes across branches nationwide to strengthen direct customer engagement, better understanding customer expectations, and foster trust through transparent and meaningful interactions. • The Company introduced Can Fin Vishwas, a housing loan product designed for marginalized and vulnerable groups, with the objective of enhancing financial inclusion and improving access to affordable housing finance for underserved sections of society.
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50 51 Can Fin Homes LimitedCan Fin Homes Limited • The Company introduced “PMAY Lantern Nights”, a community outreach initiative under PMAY-U 2.0, leveraging the ‘Golden Hour’ (6:30 p.m. to 9:00 p.m.) to engage with working households and enhance awareness of the Interest Subsidy Scheme, thereby promoting greater access to affordable housing finance. • The Company has established a comprehensive Data Privacy and Cyber Security Policy to protect sensitive information and maintain operational resilience. Employees undergo regular security awareness training to enhance vigilance and preparedness. Customer privacy is rigorously safeguarded in accordance with the Digital Personal Data Protection Act. • The Company ensures all employees actively participate in fire drill demonstrations. This mandatory initiative equips staff with essential fire safety protocols, reinforcing workplace security and preparedness in emergency situations. Governance The Company has undertaken several sustainability initiatives to strengthen its commitment to governance responsibility. Some of the key efforts include: • The Company has implemented Project Tejas, a Rs. 297-crore, seven-year enterprise digital transformation programme aimed at enhancing operational efficiency, strengthening governance frameworks, improving data-driven decision-making, and building a secure, scalable, and future-ready technology ecosystem to support sustainable business growth. • The Company continued to strengthen its cybersecurity framework to safeguard information assets, customer data, and digital infrastructure against evolving cyber threats and emerging technology risks. • The Company has established a robust risk management framework and internal financial controls system to identify, assess, monitor, and mitigate material risks, while supporting sound governance and business continuity. • The Company has constituted an ESG Sub-Committee to provide oversight on sustainability related initiatives, monitor ESG performance, and support the integration of environmental, social, and governance considerations into business decision-making processes.
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50 51 Can Fin Homes LimitedCan Fin Homes Limited ESG Rating Sr. No ESG Rating Provider (ERP) ESG Rating Rating category 1. Niche Ninety-Nine Capability and Certifications (OPC) Private Limited 75 Leader 2. NSE Sustainability Ratings and Analytics Limited 72 Leader 3. CRISIL ESG Ratings & Analytics Limited – Category I Crisil ESG 69 Strong 4. ESG Risk Assessments & Insights Limited - Category-I 70 Strong 5. SES ESG Research Private Limited - Category-II 77.50 B+ Medium
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52 53 Can Fin Homes LimitedCan Fin Homes Limited Sustainability Initiatives under CSR Can Fin Homes Powers Government Schools with Bigas and Organic Composting Organic Waste Composting and Biogas Systems have been installed at three residential schools in Doddaballapur, Bengaluru: Morarji Desai Residential School, Kitturu Rani Chennamma Residential School and Dr. B.R. Ambedkar Girls’ Residential School. While creating self-sufficient campuses, it has benefitted over 910 residential students. Daily 15-20 kg of organic food waste is converted into: 1. Biogas – used for cooking (Contributing to UN SDG 7: Affordable and Clean Energy) 2. Nutrient-rich compost used for gardening (Supporting UN SDG 12: Responsible Consumption and Production) Building Champions, Fostering Futures! Can Fin Homes has sponsored two brand new multi-purpose sports courts in Indore, Madhya Pradesh at 1. Government Higher Secondary School, Bajrang Nagar (empowering approx. 650 students) 2. Panchayat Maa Kankeshwari Devi Government College, Nanda Nagar (benefitting approx. 1750 students) This initiative contributes to UN SDG 3 (Good Health and Well-being) & UN SDG 4 (QualityEducation)
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52 53 Can Fin Homes LimitedCan Fin Homes Limited Honoured with the CSR Excellence Award by the Governor of Telangana for powering the Hyderabad Blood Centre with solar infrastructure. This project ensures uninterrupted, sustainable energy for critical, life-saving blood banking operations. Sustainability Initiatives under CSR
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54 55 Can Fin Homes LimitedCan Fin Homes Limited A step towards a more inclusive future! Can Fin Homes has provided hearing aids to 150 hearing-impaired students across five Government residential schools in Mysore. This effort supports SDG10 (Reduced Inequalities) Sustainability Initiatives under CSR Play = Progress! Can Fin Homes has sponsored a play arena at the Spastic Society of Karnataka (SSK) in Bengaluru. This space is dedicated to helping children with developmental disabilities, enhance their physical skills and social connection.
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54 55 Can Fin Homes LimitedCan Fin Homes Limited Our Network
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56 57 Can Fin Homes LimitedCan Fin Homes Limited Uttarakhand (3) Chandigarh (1)Punjab (5) Haryana (14) Faridabad Jaipur Rajasthan (20) Delhi (3) Uttar Pradesh (24) Bihar (2) Gujarat (8) Madhya Pradesh (12) West Bengal (1) Maharashtra (18) Chhattisgarh (6) Odisha (4) Telangana (25) Andhra Pradesh (29) Puducherry (1) Tamil Nadu (49) Trichy Kerala (4) Bangalore Registered Office Karnataka (45) Goa (1) Hyderabad Vijayawada 21 States / UT 274 branch offices The political map is not to scale
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56 57 Can Fin Homes LimitedCan Fin Homes Limited Branch Network ANDHRA PRADESH Amalapuram, Anantapur, Bapatla, Bhimavaram, Bobbili, Chittoor, Eluru, Gollapudi, Guntur, Kakinada, Kadapa, Kurnool, Machilipatnam, Madanapalle, Mangalagiri, Narasaraopet, Nellore, Ongole, Pendurthi, Poranki, Rajahmundry, Srikakulam, Tenali, Tirupati, Tuni, Vijayawada, Vizag, Vizag Steel Plant, Vizianagaram KARNATAKA Ballari, Belgaum, Bengaluru (31 branches), Chikkaballapur, Davanagere, Hassan, Hubli, Kalaburagi, Malur, Mandya Mangalore, Mysore, Shimoga, Tumkur, Doddaballapur RAJASTHAN Ajmer, Alwar, Beawar, Bhilwara, Bikaner, Chomu, Jaipur (6), Jhalawar, Jodhpur, Kota, Kotputli, Pali, Rajsamand, Sikar, Udaipur UTTAR PRADESH Agra, Alambagh, Aligarh, Allahabad, Ayodhya, Barabanki , Bareilly, Bulandshahr, Dadri, Ghaziabad, Gorakhpur, Greater Noida, Hapur, Jhansi, Kanpur, Lucknow, Mathura Meerut, Moradabad, Muradnagar, Noida (2), Saharanpur, Varanasi TELANGANA Hyderabad (13 branches), Jagtial, Kamareddy, Karimnagar, Khammam Mahabubnagar, Maheshwaram, Mancherial, Nirmal, Nizamabad, Siddipet, Suryapet, Warangal TAMIL NADU Batlagundu, CBE - P N Palyam, Chennai (9 branches), Coimbatore (2), Cuddalore, Dindigul (2), Erode, Gobichettipalayam, Hosur, Kanchipuram, Karaikudi, Karur (2), Kovaipudur, Krishnagiri, Kumbakonam, Madurai, Mayiladuthurai, Namakkal, Omalur, Perambalur, Pollachi, Pudukottai, Rajapalayam, Salem, Tenkasi, Thanjavur, Theni, Thiruchengode, Thirumangalam, Thoothukudi, Tirunelveli, Tiruppur (2), Tiruvannamalai, Trichy (2), Vellore, Virudhunagar KERALA Calicut, Kochi, Thiruvananthapuram, Thrissur MADHYA PRADESH Bhopal, Gwalior, Indore Airport Road, Indore, Jabalpur, Mandideep, Mandsaur, Pithampur, Ratlam, Rewa, Sagar, Ujjain UTTARAKHAND Dehradun, Haridwar, Rudrapur WEST BENGAL Durgapur BIHAR Darbhanga, Patna GUJARAT Ahmedabad (2), Bhavnagar, Jamnagar, Mehsana, Rajkot, Surat, Vadodara HARYANA Ambala, Ballabgarh, Dharuhera, Faridabad, Gurgaon (2), Hisar, Karnal, Manesar, Palwal, Panipat, Rewari, Rohtak, Sonepat CHHATTISGARH Bhilai, Bilaspur, Dhamtari, Raigarh, Rajnandgaon, Raipur DELHI Dwaraka, Nehru Place, Pitampura CHANDIGARH MAHARASHTRA Aurangabad, Boisar, Chakan, Hadapsar, Hinjewadi, Jalgaon, Kalyan, Kharadi, Kolhapur, Mumbai-Borivali, Nagpur, Nanded, Nashik, Navi Mumbai (2), Pune, Solapur, Thane ODISHA Berhampur, Bhubaneswar, Cuttack, Jharsuguda PUNJAB Bathinda, Jalandhar Ludhiana, Mohali, Patiala PUDUCHERRY GOA 274 Branch Offices
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58 59 Can Fin Homes LimitedCan Fin Homes Limited PAARTH Meet The embodiment of true Canfinite spirit. Sharp on Compliance. Driven by Service. Laser-Focused on Growth.
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58 59 Can Fin Homes LimitedCan Fin Homes Limited Paarth in action - Guiding our communication
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60 61 Can Fin Homes LimitedCan Fin Homes Limited Information and Cybersecurity Initiatives • Conducted company-wide phishing simulations, new-joiner branch inductions, and annual information security refresher training to foster a security-conscious culture. • Initiated a comprehensive review and updating of information security policies, aligning them with CBS implementation changes and evolving regulatory standards. • Conducted information security risk assessments for IT vendors to strengthen third-party cyber risk management. • Developed and distributed a comprehensive Information Security Guidelines Handbook to all employees across pan-India locations. • Enhanced customer cyber awareness through targeted WhatsApp/ SMS campaigns and engaging cybersecurity content on company social media channels. • Boosted on-premise security awareness by strategically placing cybersecurity signboards and collateral in prominent office locations.
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60 61 Can Fin Homes LimitedCan Fin Homes Limited Notes
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62 63 Can Fin Homes LimitedCan Fin Homes Limited Notes
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62 63 Can Fin Homes LimitedCan Fin Homes Limited The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors in - cluding the future changes or developments, the competitive environment, ability to implement the strategies and initiatives, technological changes, political, economic, regulatory and social conditions in India etc. that may cause the actual results, performance and achievements of CFHL to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements or other projections.