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

HFFCIL/BSE/NSE/EQ/51/2026-27 Date: 27-07-2026 To, To, BSE Limited, The National Stock Exchange of India Limited, Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Mumbai- 400001. Mumbai- 400 051. Scrip Code- 543259 Scrip Symbol- HOMEFIRST Sub: Investor Press Release on the Financial and Operational Performance of the Company for the quarter ended June 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 ended June 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 record. 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 July, 2026, Mumbai AUM at ₹ 16,938 Cr; growth of 25.7% y-o-y and 6.7% q-o-q. Disbursalreachesrecord ₹1,628Cr, delivering 31.0% y-o-y and3.6% q-o-q growth. Stable Asset Quality maintained in line with Mar’26: 1+ DPD at 4.7%, 30+ DPD at 3.2%, 90+ DPD at 1.8%. PATgrowsby34.5%y-o-yand7.0%q-o-qto ₹160Cr.RoAat4.2%. Y-o-Y Q-o-Q Q1FY27 in brief Assets Under Mgmt (AUM) Disbursement ₹16,938 Cr ₹1,628 Cr 25.7% 6.7% 31.0% 3.6% Gross Stage 3 / POS (GNPA%) Profit After Tax (PAT) 1.8% ₹160 Cr 0 bps 0 bps 34.5% 7.0% Key Performance Indicators for Q1FY27 Particulars Q1FY27 Q1FY26 y-o-y Q4FY26 q-o-q 16,938 13,479 25.7% 15,878 6.7% AUM(₹Cr) Disbursement (₹Cr) 1,628 1,243 31.0% 1,572 3.6% Total Income (₹Cr) 540 455 18.6% 505 7.0% PAT (₹Cr) 160 119 34.5% 149 7.0% Spread (%)(1) 5.3% 5.1% +20 bps 5.3% 0 bps ROA (%) 4.2% 3.7% +50 bps 4.1% +10 bps Gross Stage 3 (%) 1.8% 1.8% 0 bps 1.8% 0 bps Cost to Income (%) 32.7% 34.2% -150 bps 32.0% +70 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, “As we begin FY27, the Indian economy continues to exhibit strong underlying momentum. Stable domestic consumption, range bound inflation, steady policy rates and improving liquidity have created a supportive environment for credit growth. While geopolitical developments and global macro uncertainties continue to warrantclosemonitoring,thedomesticoperatingenvironmentforaffordablehousingfinanceremainsfavourable, supportedbyresilientcustomerdemand. With this as the backdrop, HomeFirst delivered a strong start to the year. Assets Under Management grew by 25.7% year-on-year to ₹16,938 crore, while disbursements reached a record ₹1,628 crore during the quarter. Growth was broad-based across geographies and distribution channels, reflecting the strength of our customer franchise,disciplinedexecutionandcontinueddemandwithinourtargetcustomersegment. Profitability remained healthy duringthe quarter.Profitafter taxstood at₹160crore, growing 34.5%year-on-year and 7.0% sequentially. Net Total income increased to ₹332 crore, up 29.9% year-on-year and 7.1% quarter-on- quarter, supported by healthy business growth, improving operating leverage and stable asset quality. Return on Assetsremainedhealthyat4.2%,whileReturnonEquitystoodat14.5%. Our margins remained resilient during the quarter, supported by disciplined pricing and prudent liability management. Spreads ex co-lending remained stable, demonstrating the strength of our granular retail franchise anddiversifiedfundingprofile. We continued to invest in strengthening our distribution capabilities. During the quarter, we added 4 new branches, taking our network to 175 branches and 373 touchpoints across the country. We also added 133 net employees,primarilyincustomer-facingroles,takingourtotalemployeestrengthto1,988. Asset quality remained stable despite continued strong growth. Collection efficiency remained healthy, with 1+ DPDat4.7%,30+DPD at3.2%andGross Stage 3at1.8%,reflectingstable assetquality quarter-on-quarter.Credit cost remained well contained at 40 basis points during the quarter, reflecting the resilience of our underwriting framework,disciplinedportfoliomonitoringandstrongcollectioncapabilities. We also continued to build on our Green Homes initiative by certifying an additional 100 homes during the quarter, taking the cumulative number of certified homes to 550 as of June 2026. While modest in scale, the initiativeunderscoresoureffortstointegratesustainabilitywithinaffordablehousing. Looking ahead, we remain optimistic about the opportunities in the affordable housing finance sector. Structural demand drivers remain firmly in place, supported by favourable demographics, increasing formalisation of incomes, urbanisation and continued policy support for housing. We are seeing healthy business momentum across our markets and remain confident of delivering ~25% AUM growth while maintaining our focus on profitability,portfolioqualityandoperatingefficiency. With a strong capital position, a diversified funding franchise and a scalable operating platform, we believe HomeFirstiswellpositionedtocontinuecreatingsustainablelong-termvalueforallstakeholders.” Home First Finance Company India Limited Key Highlights for Q1FY27 Distribution: • The Company has 175 branches (+4 from Mar’26and+17 from Jun’25) with presence in 13 States / UT. • Total touchpoints remained at 373. Q1FY27 Disbursements: • Disbursements of ₹1,628 Cr, y-o-y growth of 31.0% and 3.6%q-o-q. Asset under Management (AUM): • ₹16,938 Cr, growth of 25.7% on y-o-y basis and 6.7% on q-o-q basis. • Focus on housing loans that contribute 83% of AUM. • EWS / LIG category forms ~58% ofAsset under Management. Asset Quality: • Bounce rates range-bound. Jul’26 bounce rate of 15.2%. • 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 1.8% (flat on q-o-q). • Our credit cost is at 40 bps for the quarter. Provisions: • ECL provision as on Jun’26 is ₹113 Cr; resulting in total provision to loans outstanding ratio at0.8%; and the total provision coverage ratio (PCR) is at 45.3% as of Jun’26 vs 44.9% as of Mar’26. Borrowings: • Total borrowings including debt securities are at ₹10,818 Cr as on Jun’26. The company continues to carry a liquidity buffer of ₹2,272 Cr as of Jun’26. • Cost of borrowings at 7.8%, improved by 10 bps on q-o-q. Spread: • Ex-CL Spread on loans stood at 5.3% in Q1FY27 (stable on q-o-q and improved by 20 bps y-o-y). Capital Adequacy: • As on Jun’26, total CRAR stood at42.6%withTier I capital at42.2%. As of Mar’26, total CRAR was at 44.1% and Tier I capital at 43.8%. • Networth as on Jun’26 is at ₹4,483 Cr vis-à-vis ₹4,357 Cr as on Mar’26 and ₹3,855 Cr as on Jun’25. Q1FY27 Financial Performance: • Total Income at ₹540 Cr; growth of 18.6% y-o-y and 7.0% q-o-q. • PPOP stands at ₹224 Cr; growth of 32.9% y-o-y and 6.0% q-o-q. • PAT at ₹160 Cr; up by 34.5% y-o-y and 7.0% q-o-q. • ROA is at 4.2%; up by 50 bps y-o-y and 10 bps q-o-q. • ROE stood at 14.5% in Q1FY27 (+50 bps q-o-q). Home First Finance Company India Limited Q1FY27 Performance Summary Assets Under Management Profit After Tax in₹Cr in₹Cr 16,938 15,878 13,479 Jun'25 Mar'26 Jun'26 Q1 FY26 Q4 FY26 Q1 FY27 Opex to Assets Net Worth 4,483 in₹Cr 4,357 2.7% 2.7% 2.8% 3,855 Q1 FY26 Q4 FY26 Q1 FY27 Jun'25 Mar'26 Jun'26 Disbursement DPD 1+ in₹Cr 5.4% 1,572 1,628 4.7% 4.7% 1,243 Q1 FY26 Q4 FY26 Q1 FY27 Jun'25 Mar'26 Jun'26 DPD 30+ Gross / Net Stage 3 (GNPA/NNPA) Gross Stage 3 Net Stage 3 3.5% 3.2% 3.2% 1.8% 1.8% 1.8% 1.4% 1.4% 1.4% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Home First Finance Company India Limited About Home First Finance Company India Limited Home First Finance Company India Limited (HomeFirst) is a technology driven affordable housing finance company tha [Showing first 8,000 characters — download PDF for full document]