Please find enclosed the Transcript of Q1 FY2026-27 Earnings Call held on July 20,2026

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 129/2026 July 24, 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 Q1 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 116/2026 dated July 14, 2026 3. Our letter no. CFHRO SE CS LODR 127/2026 dated July 18, 2026 -------------- In continuation to above referred letter, please find attached the Transcript of Q1 FY27 Earnings Conference Call held on July 20, 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 Q1 FY '27 Earnings Conference Call” July 20, 2026 MANAGEMENT: MR. SURESH IYER – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – CAN FIN HOMES LIMITED MR. SHAILESH KUMAR SINGH – DEPUTY MANAGING DIRECTOR – CAN FIN HOMES LIMITED MR. PRAKASH SHANBHOGUE – PRESIDENT – CAN FIN HOMES LIMITED MR. UTHAYA KUMAR A– PRESIDENT AND CHIEF RISK OFFICER – CAN FIN HOMES LIMITED MR. ABHISHEK MISHRA – CHIEF FINANCIAL OFFICER – CAN FIN HOMES LIMITED MODERATOR: MR. NIDHESH JAIN – INVESTEC CAPITAL SERVICES MS. SWAPNA – INVESTEC CAPITAL SERVICES Page 1 of 19 Can Fin Homes Limited July 20, 2026 Swapna: Hi sir, is it good to go, can we start? We have about 95 odd people on the call. Management: I mean I am fine, we can start, I think it is, yeah, it is 3 o'clock already, we can start. Swapna: Sure, sure, thank you. Thank you very much. So ladies and gentlemen, good day, and welcome to the Can Fin Homes Q1 FY '27 Conference Call hosted by Investec Capital. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need any assistance during the conference call, please signal to me, Swapna, by raising your virtual hand. Please note, this call is being recorded. I now hand over the conference to my colleague, Nidhesh Jain from Investec. Thank you, and over to you, Nidhesh. Nidhesh Jain: Thank you, Swapna. Good afternoon, everyone. Welcome to the Quarter 1 FY 2027 Earnings Conference Call of Can Fin Homes Limited hosted by Investec Capital. We will start with 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; Mr. Shailesh Kumar Singh, Deputy MD; Mr. Prakash Shanbhogue, President; Mr. Uthaya Kumar A, President and CRO; 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. Suresh Iyer for his opening comments. Over to you, sir. Suresh Iyer: Yes. Good afternoon, everyone. Thank you, Nidhesh, and welcome to this earnings call for Q1 FY '27 performance of Can Fin. I'll just start by giving a brief of the performance as few highlights. Obviously, all these things are covered in the Investor Presentation. However, I'll just give you some brief and some commentary on these aspects also, and then we can open it up for questions and answers. First of all, I'll start with disbursements. In terms of disbursements, we had given a guidance or a projection that in Q1, we'll be doing INR2,500 crores; Q2, INR3,000 crores and INR3,500 crores and INR4,000 crores in the third and fourth quarters and so on. So against INR2,500 crores, which was what was planned and what was projected, we have achieved INR2,609 crores. So we have been able to do more than what we had originally projected. And this has been possible because of a positive growth across all our geographies. That is we have 6 zones and all the 6 zones, including Karnataka and Telangana, we've had a positive growth. And Karnataka, actually, with the 18% growth over Q1 of last year is actually the lowest in terms of the growth -- zone-wise growth. So we've had a growth across all the geographies. Plus, we've also had a positive contribution coming from the sales team as well as from the new branches that were opened post March 2023, which has helped us in achieving this disbursement. And that is a positive thing, which is one of the drivers for this growth. Page 2 of 19 Can Fin Homes Limited July 20, 2026 In terms of breakup of this growth, if you see, we've had a salaried and self-employed, both have grown compared to last year corresponding period. So salaried in absolute terms has grown at 21%. The overall growth for the quarter has been 29%. That is against INR2,015 crores. The current quarter, we have done INR2,609 crores. So there is a 29% growth. But within that, the salaried segment has grown at 21% and the SENP has grown as 44%. Similarly, if you break up between the housing and the non-housing, the housing in Q1 FY '27 has grown at 28% compared to the Q1 of housing figure of last year. And whereas the non- housing that is NHL has grown at 32% and combined, there is a 29% growth. So basically, across all the four 2x2 metrics, if we see, there has been a growth across all the four things. The next, if you look at what is the challenge, however, has been that the prepayments or the rundown has been a little fair compared to even Q4 of last year. So we had this challenge and one of the expectation or one of our planning was that post this conversion from annual to quarterly reset, you may probably see a reduction in our BT outs. However, this has not happened. In fact, as against INR1,730 crores rundown in Q4 of last year this thing, we are having a rundown of INR1,857 crores. So basically, there is almost INR127 crores increase in the rundown. However, if you break up the same run down, there's a -- what comes out is BT out, which was INR400 crores in Q4 of last year has increased to INR408 crores. So there is not a -- there is no major increase or higher BT outs, which has resulted in this rundown. It is just marginal INR8 crores increase compared to Q4 of last year. Same way if you look at loan closures other than BT out, that is cases where customers have closed their loans from their own funds or because they are selling the property or where we have initiated the sale under SARFAESI, that amount last year -- last Q4 was INR360 crores. As against that, it has increased to INR377 crores. So both these things have not actually increased in a major manner. However, what has actually increased resulting in the higher rundown, is that part payments from the customers have increased. So basically, when the reset happened from annual to quarterly. Most of the customers were under a change in tenure option. So the EMI was constant and the tenure was changing. So in all these cases, when the reset changed from annual to quarterly and the rate of interest was passed on 0.5 percentage, the tenure has actually crashed and the EMI has remained the same because of which higher amount of proportion has gone towards the principal. So as against INR976 crores in Q4 of last year, which was part prepayment amortization, the number has gone up to INR1,072 crores. So basically, this is the main reason why the rundown has been higher, and we will have to now work on this particular aspect. Now coming to the AUM growth. So last year, we had an overall AUM growth of 10.4%. And this year, in Q1, it has inched up to 10.8% or 11% as we have [Showing first 8,000 characters — download PDF for full document]