Investor Presentation

CAN FIN HOMES LIMITED Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Near Lalbagh West Gate, Basavanagudi Bengaluru – 560 004 Tel: 080-48536192; Fax: 26565746 e-mail: compsec@canfinhomes.com Web: www.canfinhomes.com CIN – L85110KA1987PLC008699 CFHRO SE CS LODR 123/2026 July 18, 2026 ONLINE SUBMISSION National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G, Corporate Relationship Department Bandra Kurla Complex, 25th Floor, P J Towers Bandra (E) Dalal Street, Fort Mumbai – 400 051 Mumbai – 400 001 NSE Symbol: CANFINHOME BSE Scrip Code: 511196 Dear Sir/ Madam, Sub: Investor Presentation - Post Q1 FY27 Results Ref: Our letter CFHRO SE CS LODR 119/2026 dated July 18, 2026 Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ------------ With reference to the subject, we are enclosing herewith the copy of Investor Presentation of the Company, Post Q1 FY27 results. The same is also made available on the website of the Company at www.canfinhomes.com This is for your information and records. Thanking you, Yours Faithfully, For Can Fin Homes Limited Nilesh Jain Company Secretary M.No. 18320 Encl: As above. Can Fin Homes Limited Can Fin Homes Limited About Us Legacy Focus • 38 year old institution registered as a • To promote home ownership across India, deposit taking HFC with NHB with a motto of friendship finance and good service • Promoted by Canara Bank in the year 1987 (shareholding of 30% approx.) • To focus on Housing loans to Individuals • Can Fin Homes is a part of the Canara Group • To have strong fundamentals with ethical Financial Conglomerate led by Canara Bank & transparent practices and prudent underwriting • Listed in 1989. Carries a legacy of uninterrupted dividend payment since inception Reach Vision • Headquartered in Bengaluru • To increase lending to new home • Pan-India presence with 250 branches / aspirants, enhance value for our offices as on 30/06/2026 stakeholders, uphold our ethics and good corporate governance • Spread across 21 States / Union Territories Can Fin Homes Limited Can Fin Homes Limited Journey So Far • Best Digital Transformation Initiative in the Housing Finance segment AUM crossed AUM crossed accolade by Quantic India. ` 40,000 Cr. `20,000 Cr in • PAT Crossed ` 1000 Crores in Dec. 2025 December 2019. • 250th Branch at Thane, Maharashtra 2026 2025 2019 Rights issue of CFHL– Loan book over Split of equity shares mCap over `10,000 Cr. from `10 each to `1,000 Cr `2 each (w.e.f. 13/10/17). 2015 2016 2017 • 100th branch at Begur, • Completed 25 years. 41 branches. Bengaluru. • 50th branch opened We started • 1st satellite office at at NCR - Pitampura. expanding. Yelahanka. 2013 2012 2011 First branch of CFHL • 11 more branches were added, Loan book crossed opened at Jayanagar, including New Delhi `100 Cr. Bengaluru. • Public Issue of 36 lakhs equity shares of `10 each and listing on BSE 1987 1989 1991 Can Fin Homes Limited Can Fin Homes Limited Journey So Far Reinforce Rebuild Reach Higher • Company will continue its • Company intends to evolve • Expansion of sourcing channels thrust on growth, asset quality, further with the help of to attract different segments of profitability and liquidity technology, duly keeping abreast borrowers, thus facilitating the • Unwavering focus on good with the changes in digitalization Company’s upward trajectory governance and due diligence • Seamless integration of new • Ensure that the products and • No deviation from the processes with the tried and services offered by the Company fundamental ethos tested ones for better, improved are environment friendly and of the company customer service in tune with the rationale of • Utmost adherence to ethics, fair • Thrust on direct sourcing to ecological conservation play, team work and the pursuit enhance the Company’s loan of excellence portfolio • As always, priority will be given for compliance, audit and risk Can Fin Homes Limited Can 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 Can Fin Homes Limited Can Fin Homes Limited Credit Rating Position as on 30/06/2026 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 Can Fin Homes Limited Can Fin Homes Limited Board of Directors Shri Hardeep Singh Shri Suresh S Iyer Smt Ahluwalia Managing Director & Shubhalakshmi Non-Executive Director Aamod Panse (Promoter) Director (Independent) Shri Ajai Kumar Shri Arvind Shri Murali Director (Independent) Narayan Ramaswami Yennemadi Director (Independent) Director (Independent) Shri Shri Shailesh Swarupananda Kumar Singh Mallick Deputy Managing Director Director (Independent) (w.e.f. 21/08/2025) (w.e.f. 03/07/2026) Can Fin Homes Limited Can Fin Homes Limited Experienced Management Team Shri Prakash Shri A Uthaya Shri Nilesh Jain Shanbhogue Kumar Company Secretary President - Business President - Assurance and and Head - Board Total Exp: 33 Years Chief Risk Officer (CRO) Secretariat Service in Can Fin - Total Exp: 32 Years Total Exp: 23 Years 33 Years Service in Can Fin - Service in Can Fin - 32 Years 3 Years Shri Abhishek Shri D R Prabhu Shri A Narayanan Mishra Vice President & Chief Chief Information Chief Financial Officer Compliance Officer (CCO) Officer (CIO) Total Exp: 22 Years Total Exp: 37 Years Total Exp: 35 Years Service in Can Fin - Service in Can Fin - Service in Can Fin - 1 Year 37 Years 1 Year Shri R Madhu Shri Prashanth Shri P Ratheesh Kumar Joishy Kumar Head - Credit Head – Products and Chief Audit Officer Total Exp: 36 Years Strategy Total Exp: 29 Years Service in Can Fin - Total Exp: 36 Years Service in Can Fin - 31 Years Service in Can Fin - 29 Years 36 Years Can Fin Homes Limited CCaann FFiinn HHoommeess LLiimmiitteedd Business Overview Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance ` in Crore 1,200 1,000 FY16 FY17 FY18 FY19 FY20 FY26 10 11 792 473 FY21 FY22 FY23 FY24 FY25 532 782 680,1 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance ` in Crore GNPA FY16 FY17 FY18 FY19 FY20 FY26 10 11 %26.0 %67.0 FY21 %19.0 FY22 %46.0 FY23 %55.0 FY24 %28.0 FY25 %91.0 %12.0 %34.0 %78.0 %58.0 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance SPREAD (%) FY16 FY17 FY18 FY19 FY20 FY26 12 13 %61.2 %54.2 FY21 %87.2 FY22 %55.2 FY23 %13.2 FY24 %76.2 FY25 %94.2 %16.2 %36.2 %55.2 %68.2 Can Fin Homes Limited Can Fin Homes Limited Consistent Business Performance ` in Crore 45,000 AUM 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 FY16 FY17 FY18 FY19 FY20 FY26 12 13 183,81 607,02 FY21 501,22 FY22 117,62 FY23 365,13 FY24 999,43 FY25 346,01 313,31 347,51 712,83 902,24 Can Fin Homes Limited Can Fin Homes Limited Roadmap - 2028 Geographical Concentration Segment Mix (AUM) (Incremental Disbursement) Mar-26 June-26 Mar-28 (Proj) Mar-26 June-26 Mar-28 (Proj) 35% 40% 32% 32% 35% 41% 65% 60% 59% 68% 68% 65% SENP Salaried Rest of India South Product Mix (AUM) Sourcing Mix (Incremental Disbursement) Mar-26 June-26 Mar-28 (Proj) Mar-26 June-26 Mar-28 (Proj) 12% 10% 17% 17% 20% 8% 11% 10% 83% 83% 80% 80% 80% 20% 60% NHL HL Digital DSA Direct (Walk-ins) Marketing Team 14 15 Can Fin Homes Limited Can Fin Homes Limited Digital Acceleration & Strategy 14 15 Can Fin Homes Limited Can Fin Homes Limited Responsible Lending Practices On Boarding Outsourci [Showing first 8,000 characters — download PDF for full document]