Housing Finance company Home First Finance Company India announced Q3FY26 results Total Income at Rs 484 crore; growth of 18.7% YoY. PPOP stands at Rs 197 crore; growth of 41.1% YoY. PAT at Rs 140 crore; up by 44.0% YoY. ROA is at 4.0%; up by 60 bps YoY. ROE at 13.7% due to enlarged equity base post recent fund raise; pre-money adjusted RoE at 17.1%.. Asset under Management (AUM): Rs 14,925 crore, growth of 24.9% on YoY basis and 5.3% on QoQ basis. Focus on housing loans that contribute 83% of AUM. EWS / LIG category forms ~60% of the customer base. Asset Quality: Bounce rates range-bound. Jan’26 bounce rate of 16.9%. 1+ DPD is at 5.3% (down by 20 bps on QoQ). 30+ DPD at 3.7% (flat on QoQ). Gross Stage 3 (GNPA) at 2.0%. Our credit cost is at 40 bps for the quarter. Q3FY26 Disbursements: Disbursements of Rs 1,318 crore, YoY growth of 10.5% Provisions: ECL provision as on Dec’25 is Rs 103 crore; resulting in total provision to loans outstanding ratio at 0.8%; and the GNPA to total provision coverage ratio (PCR) is at 40.4% as of Dec’25 vs 40.8% as of Sep’25. Borrowings: Total borrowings including debt securities are at Rs 9,926 crore as on Dec’25. The company continues to carry a liquidity buffer of Rs 4,357 crore as of Sep’25. Cost of borrowings at 8.0%, down by 10 bps on QoQ. Spread: Ex-CL Spread on loans stood at 5.4% in Q3FY26 (up by 10 bps on QoQ). Capital Adequacy: Total CRAR at 49.0%. Tier I capital stands at 48.6% as on Dec’25. Networth as on Dec’25 is at Rs 4,180 crore vis-à-vis Rs 4,014 crore as on Sep’25 Distribution: The Company has 165 branches (+2 from Sep’25) with presence in 13 States / UT. Total touchpoints increased to 368 (+2 from Sep’25 and +9 from Dec’24). Manoj Viswanathan, MD & CEO said: “India’s economy continues to display resilience despite global uncertainties arising from trade, tariffs and geopolitics. The policy landscape has turned supportive and economic momentum appears to be around the corner. We are pleased to present the financial performance for Q3FY26, which reflects a strong business momentum, robust profitability along and a stable asset quality with improving early delinquencies. This quarter the company continued to grow disbursements and originations as we progress out of a challenging credit cycle. In this quarter, disbursement grew by 10.5% YoY, to an all time high of Rs 1,318 crore, resulting in an AUM of Rs 14,925 crore with a growth of 24.9% YoY. We further expanded our network, adding 2 branches and 2 touch points, taking our total branch count to 165 and touchpoints to 368. We also delivered a very strong operating performance – Profit after Tax grew by 44.0% YoY to Rs 140 crore supported by Net Total Income growth of 34.8% YoY to Rs 290 crore; RoA and RoE stood at 4.0% and 13.7% respectively. Pre money ROE was at 17.1%. Provisions arising from the implementation of new labour codes have been recorded and these one-time expenses have impacted opex and earnings of Q3FY26. If we exclude the labour codes adjustments, the earnings growth in Q3FY26 has improved by 46.6% YoY and 8.3% QoQ. Our asset quality remains healthy and stable: 1+ DPD is at 5.3% (down by 20 bps on QoQ). 30+ DPD at 3.7% (flat on QoQ). Gross Stage 3 (GNPA) is at 2.0% (up by 10 bps on QoQ). Our credit cost is at 40 bps (flat on QoQ basis). We continue to maintain a credit cost guidance of 30 to 40 bps, ensuring disciplined risk management even as we scale. We are equally committed to responsible growth. Under our Green Homes initiative, we certified 70 additional homes in the quarter, taking the cumulative count to 310 as of December. As we approach FY27, we are geared for a 25% AUM growth YoY led by distribution and use of technology, backed by diversified funding and strong risk management. At HomeFirst, we are positioned to leverage the opportunities with our strong fundamentals, disciplined execution, and prudent risk management. As we look ahead, our commitment is clear: to build an institution that is agile, inclusive and resilient with the ability to thrive across economic cycles.” Result PDF