Investor Press Release on the Financial and Operational Performance of the Company for the quarter and half year ended September 30, 2026

HFFCIL/BSE/NSE/EQ/NCD/92/2026-27 Date: 27-10-2026 To, To, BSE Limited, The National Stock Exchange of India Limited, Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Bandra Dalal Street, Fort, Mumbai- 400001. (E), Mumbai- 400051. Scrip Code - EQ:543259 NCD:978097 Scrip Symbol- HOMEFIRST Sub: Investor Press Release on the Financial and Operational Performance of the Company for the quarter and half year ended September 30, 2026 Dear Sir/Madam, Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the Investor Press Release on the Financial and Operational performance of the Company for the quarter and half year ended September 30, 2026. This Investor Press Release may also be accessed on the website of the company at www.homefirstindia.com This is for your information and records. For Home First Finance Company India Limited Shreyans Bachhawat Company Secretary, Compliance Officer and Head – Legal ACS NO: 26700 Home First Finance Company India Limited Press Release: 27th October, 2026, Mumbai AUM crossed ₹ 18,000 Cr; grew by 27.0% y-o-y and 6.3% q-o-q. Disbursalreachesall time high of ₹1,705Cr, growth of 32.2% y-o-y and4.7% q-o-q. Asset Quality was strong: 1+ DPD at 4.7%, 30+ DPD at 3.2% flat q-o-q, NPA at 1.7%, lower by 10 bps q-o-q. PATgrewby29.1%y-o-yand6.5%q-o-qto ₹170Cr.RoAconstant at4.2%; ROE at 14.9% (+40 bps q-o-q) Y-o-Y Q-o-Q Q2FY27 in brief Assets Under Mgmt (AUM) Disbursement ₹18,010 Cr ₹1,705 Cr 27.0% 6.3% 32.2% 4.7% Gross Stage 3 / POS (GNPA%) Profit After Tax (PAT) 1.7% ₹170 Cr -20 bps -10 bps 29.1% 6.5% Key Performance Indicators for Q2FY27 Particulars Q2FY27 Q2FY26 y-o-y Q1FY27 q-o-q AUM(₹Cr) 18,010 14,178 27.0% 16,938 6.3% Disbursement (₹Cr) 1,705 1,289 32.2% 1,628 4.7% Total Income (₹Cr) 567 479 18.4% 540 5.0% Interest Expense (₹Cr) 224 202 10.8% 208 7.8% Net Total Income (₹Cr) 343 277 23.9% 332 3.3% Operating Expenses (₹Cr) 106 89 19.2% 109 -2.8% PAT (₹Cr) 170 132 29.1% 160 6.5% Spread (%)(1) 5.2% 5.3% -10 bps 5.3% -10 bps ROA (%) 4.2% 3.8% +40 bps 4.2% 0 bps Gross Stage 3 (%) 1.7% 1.9% -20 bps 1.8% -10 bps Cost to Income (%) 30.8% 32.0% -120 bps 32.7% -190 bps (1) IGAAP basis and Excludes Co-Lending. Investors & Analyst can download the excel version of operational & financial numbers from our website link. Commenting on the performance Mr. Manoj Viswanathan, MD & CEO said, “HomeFirst delivered a strong operating performance in Q2 FY27, sustaining healthy business momentum alongside profitability and stable asset quality. The quarter was marked by highest ever disbursements, continued expansion of our distribution franchise and disciplined execution across our markets. As our business scales, our focus remains on translating portfolio growth into sustainable earnings while maintaining underwriting standards and operating efficiency. AUMincreasedby27.0%year-on-yearto₹18,010crore,whilequarterlydisbursementsreachedahighof₹1,705crore. Growth was supported by healthy customer demand across our target segments, deeper penetration in existing marketsandcontinuedinvestmentsinourdistributionnetwork.Importantly,businessmomentumwasaccompaniedby strongearningsgrowth,reflectingourfocusonscalingthefranchisewhilemaintainingprofitabilityandportfolioquality. ProfitAfterTaxincreasedby29.1%year-on-yearand6.5%sequentiallyto₹170crore,outpacingAUMgrowthof27.0%. Net Total Income grew by 23.9% year-on-year and 3.3% quarter-on-quarter to ₹343 crore. Returnon Assets remained healthy at 4.2%, while Return on Equity stood at 14.9%. Our focus remains on sustaining this relationship between portfolio and earnings growth through disciplined pricing, cost management and efficient capital deployment, while continuingto invest inthefranchise.Ourcost-to-income ratiostood at 30.8%, compared with 32.7% inthe preceding quarter,reflectingourcontinuedfocusonoperatingproductivityasthebusinessscales. Spreads, excludingco-lending, moderatedby 10 basispoints duringthe quarter.We continue to activelymanage asset pricing,fundingcostsandliabilitymix,supportedbyourgranularretailportfolioanddiversifiedfundingrelationships. Duringthequarter,weaddedsixbranches,takingournetworkto181branchesand379touchpoints.Wealsoadded26 employeesonanetbasis,primarilyincustomer-facingroles,bringingourtotalemployeebaseto2,014. Asset quality remained stable, reflecting our continued emphasis on prudent underwriting and proactive collections. Early-stagedelinquencyindicatorsremainedcontained,with1+DPDat4.7%and30+DPDat3.2%,whileGrossStage3 reducedby10basispointssequentiallyto1.7%.Creditcostremainedcontainedat40basispointsduringthequarter. As the portfolio grows, our emphasis remains on prudent risk selection, early identification of potential stress and consistentcollectiondisciplinetopreservetheunderlyingqualityoftheloanbook. Our Green Homes initiative also progressed during the quarter, with an additional 100 homes certified, taking the cumulative total to 650 as of September 2026. Through this initiative, we continue to promote environmentally responsiblehousingpracticesandprogressivelyintegratesustainabilityconsiderationsintoourcorebusinessactivities. Thiscommitmentwasrecognised,withHomeFirstwinningthe'ESG&FinancialInclusion'awardintheNBFCcategoryat ASSOCHAM's 21st Annual Summit & Awards on Banking & Financial Sector Lending Companies, reaffirming our focus onfinancialinclusion,responsiblebusinesspracticesandsustainable,long-termvaluecreation. The long-term opportunity in affordable housing finance remains substantial, supported by unmet housing demand, rising homeownership aspirations, urbanisation and increasing formalisation of incomes. Our presence across key markets, expanding distribution network and technology-enabled operating platform provide a foundation to deepen customerpenetrationandprogressivelyenhanceoperatingproductivity. Our priorities for the remainder of FY27 are clear: sustain growth momentum, preserve portfolio quality, protect profitabilityandimproveoperatingefficiency.Asourfranchisecontinuestoscale,ouremphasis remainsonconverting businessgrowthintoconsistentearnings,healthyreturnsandlong-termshareholdervalue.” Home First Finance Company India Limited Key Highlights for Q2FY27 Distribution: • The Company has 181 branches (+6 from Jun’26and +18 from Sep’25) with presence in 13 States / UT. • Total touchpoints increased to 379 (+6 from Jun’26 and +13 from Sep’25). Q2FY27 Disbursements: • Disbursements of ₹1,705 Cr, y-o-y growth of 32.2% and 4.7%q-o-q. Asset under Management (AUM): • ₹18,010 Cr, growth of 27.0% on y-o-y basis and 6.3% on q-o-q basis. • Focus on housing loans that contribute 84% of AUM. • EWS / LIG category forms ~56% ofAsset under Management. Asset Quality: • Bounce rates range-bound. Oct’26 bounce rate of 16.6%. • 1+ DPD is at 4.7% (flat on q-o-q). • 30+ DPD at 3.2% (flat on q-o-q). • Gross Stage 3 (GNPA) at 1.7% (lower by 10 bps q-o-q). • Our credit cost is at 40 bps for the quarter. Provisions: • ECL provision as on Sep’26 is ₹122 Cr; resulting in total provision to loans outstanding ratio at0.8%; and the total provision coverage ratio (PCR) is at 46.4% as of Sep’26 vs 45.3% as of Jun’26. Borrowings: • Total borrowings including debt securities are at ₹12,246 Cr as on Sep’26. The company continues to carry a liquidity buffer of ₹2,666 Cr as of Sep’26. • Cost of borrowings at 7.8%, flat on q-o-q. Spread: • Ex-CL Spread on loans stood at 5.2% in Q2FY27 (-10 bps on q-o-q and y-o-y). Capital Adequacy: • As on Sep’26, total CRAR stood at39.8%withTier I capital at39.4%. As on Jun’26, total CRAR stood at 42.6% with Tier I capital at 42.2%. • Networth as on Sep’26 is at ₹4,665 Cr vis-à-vis ₹4,483 Cr as on Jun’26 and ₹4,014 Cr as on Sep’25. Q2FY27 Financial Performance: • Total Income at ₹567 Cr; growth of 18.4% y-o-y and 5.0% q-o-q. • PPOP stands at ₹238 Cr; growth of 26.1% y-o-y and 6.3% q-o-q. • PA [Showing first 8,000 characters — download PDF for full document]