Please find enclosed the Transcript of Q2 FY2026-27 Earnings Call held on October 12, 2026.

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 197/2026 October 17, 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 East Dalal Street, Fort, Mumbai – 400 051 Mumbai – 400 001 NSE Scrip Code: CANFINHOME BSE Scrip Code: 511196 Dear Sir/Madam, Sub: Transcript of Q2 FY27 Earnings Conference Call Ref: 1. Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. 2. Our letter no. CFHRO SE CS LODR 183/2026 dated October 07, 2026 3. Our letter no. CFHRO SE CS LODR 194/2026 dated October 12, 2026 -------------- In continuation to above referred letter, please find attached the Transcript of Q2 FY27 Earnings Conference Call held on October 12, 2026. The aforesaid Transcript is also available on the website of the Company www.canfinhomes.com This is for your kind information and record. Thanking you, Yours faithfully, For Can Fin Homes limited Nilesh Jain Company Secretary Encl: as above “Can Fin Homes Limited Q2 FY27 Earnings Conference Call” October 12, 2026 MANAGEMENT: MR. SURESH IYER – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – CAN FIN HOMES LIMITED MR. ABHISHEK MISHRA – CHIEF FINANCIAL OFFICER – CAN FIN HOMES LIMITED MODERATOR: MR. NIDHESH JAIN – INVESTEC CAPITAL SERVICES MS. RAMYA – INVESTEC CAPITAL SERVICES Page 1 of 21 Can Fin Homes Limited October 12, 2026 Ramya: Good afternoon, everybody. Welcome to the Can Fin Homes Q2 FY27 Earnings Call. I would like to hand over the call to my colleague, Nidhesh Jain. Nidhesh Jain: Thank you, Ramya. Ramya: kindly note that this call is being recorded, and I would request you to raise your hands if you have any questions. Over to you, Nidhesh. Thank you. Nidhesh Jain: Thank you, Ramya. Good afternoon, everyone. Welcome to quarter two, FY27 Earnings Conference Call of Can Fin Homes Limited, hosted by Investec Capital. As a reminder, all the participants will be in listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. For Q&A, please raise your virtual hand and we will unmute you from our side. We will start the management commentary followed by a Q&A session to discuss the financial performance of Can Fin Homes, and to address your queries. We have with us Mr. Suresh Iyer, MD and CEO, and Mr. Abhishek Mishra, CFO of Can Fin Homes Limited. Please note that this call is being recorded. I would now like to hand over the call to Mr. Iyer for his opening comments. Over to you, sir. Suresh Iyer: Thank you, Nidhesh, and good afternoon, everyone. Thank you for joining the earnings call for the second quarter results of Can Fin Homes. Before we get into the questionnaire, I do have a small brief on the highlights of the quarter, which I will just share and then we can go into the question-answers. The highlight of the quarter for Can Fin, obviously, has been that the entire Project Tejas, which is the IT transformation project, has gone fully live. In fact, we went in phases where July, we went ahead with 11 branches, five old branches and six new branches. Thereafter, in the month of August, additional 75 old branches and 14 new branches were added. In the month of September, 77 old branches were again were added, and finally from effective 1st of October, 93 of the remaining old branches and the five branches which were subsequently opened, new branches, have all gone live. Presently, we are completely online in the new system. All the aspects of the project, including the security aspect, the infrastructure aspects which were already implemented earlier, and now all the operational or functionalities which are there in the project have all been implemented, and we have gone live with the entire LOS, LMS across all the branches. Of course, this implementation has had an impact in terms of our disbursement, particularly in each of the branches in the month where the business has or the IT implementation has taken place. To this effect, we have actually given an additional slide in the presentation, that is Slide number 20, as to the impact that we have had because of this IT implementation. The month in which the implementation has happened, the disbursements, they have dropped in that particular branches by about 70% to 75%, and then the next month, again, it pushes back and it comes back to almost 80%-90% of the old disbursement. That's the kind of thing. As a result of this, in the month particularly of August and September, where we had a large chunk Page 2 of 21 Can Fin Homes Limited October 12, 2026 of 75 and 77 old branches going live, there has been a major impact and as a result, the disbursements for the quarter were at only INR2,375 crores. This, of course, is net of the INR29 crores which we have reduced from the disbursements because of the NHB guidelines which have come saying that regarding the cancellation of DDs. During the quarter, we've had about INR28, odd crores of cancellations of disbursements, which were earlier handed over to customers for various reasons, and that has been netted off. Plus, also about INR19 lakhs was in respect of the cancellations from the date of the closure of the quarter to the date of announcement of the results. Basically, combined, both these things put together is about INR29 crores, which has also been netted off from this INR2,375 crores. That is the impact. In terms of the state-wise or region-wise disbursement, the demand has been almost has been quite strong. There has been no change in that demand. We observed that. In fact, on Page 20 of the presentation, you will also see that particularly the branches where no impact or no the IT transformation has happened in the month of October, there you will see that in the month of July, August and September, the business has been robust. There has been an increase only. As against an average of 435 crores which these 93 branches were doing in Q1, in the month of September also they've done average of 454, 458, 424 and 481 crores. Basically, in terms of the demand or in terms of the business per se, there has been no change, but for the impact of the IT transformation, which is mainly on account of the understanding, or rather the change in the flow, the additional processes that have been incorporated. Now, in fact, there are some four OTPs, four to five OTPs, depending on the customer and the type, which we have to take from that borrower as well as the co-borrower separately. That comes to around 8 to 10 OTPs additionally. So that is a those kind of process changes which have been implemented have resulted in some time lag and things like that. Plus, in every month, since it was a migration from a legacy system, the data had to go through a couple of processes. Every month, we basically were able to hand over to the branches only after post-5th. That five days of gap also. Basically, these are one-time issues which have impacted, but as can be seen from the 93 branches data, the demand is there is no issue. We are still seeing a robust demand across all the geographies. Karnataka also, which has been in the past always a point of observation, has stabilized around INR230 to INR250 crores of disbursement consistently. The only other change during the quarter has been that in the state of Telangana, there's been a new Section 22 or something some Section has been wherein, at the time of some areas have been identified by the sub-registrar offices or by the government to have been like notified for this, which is only available with the sub-registrar offices. Before execution of any document, everything has to be taken to the sub-registrar office, and they wil [Showing first 8,000 characters — download PDF for full document]