HomeFirst Q2 FY27 PAT Surges 29% to ₹170 Cr; AUM Up 27% to ₹18,010 Cr on Highest-Ever Disbursements

MUMBAI, India, Oct. 28, 2026 /PRNewswire/ — Home First Finance Company India Limited (HomeFirst) reported Profit After Tax of ₹170 Cr for Q2 FY27, up 29.1% year-on-year and 6.5% quarter-on-quarter, outpacing AUM growth of 27.0%.

Q2 FY27 highlights

• AUM: ₹18,010 Cr, up 27.0% y-o-y and 6.3% q-o-q; housing loans form 84% of AUM
• Disbursements: ₹1,705 Cr, up 32.2% y-o-y and 4.7% q-o-q
• Total Income: ₹567 Cr (+18.4% y-o-y); Net Total Income: ₹343 Cr (+23.9% y-o-y)
• PPOP: ₹238 Cr, up 26.1% y-o-y
• ROA: 4.2%; ROE: 14.9% (+150 bps y-o-y); cost-to-income ratio: 30.8% vs 32.7% in Q1
• Gross Stage 3: 1.7% (-10 bps q-o-q); credit cost: 40 bps; 1+ DPD: 4.7%; 30+ DPD: 3.2%
• Spread (ex-co-lending): 5.2%; cost of borrowings: 7.8%, flat q-o-q
• CRAR: 39.8%; Networth: ₹4,665 Cr; liquidity buffer: ₹2,666 Cr

Commenting on the performance, Mr. Manoj Viswanathan, MD & CEO, HomeFirst, 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.

Asset quality remained stable, reflecting our continued emphasis on prudent underwriting and proactive collections.

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 responsible housing practices and progressively integrate sustainability considerations into our core business activities.

Our priorities for the remainder of FY27 are clear: sustain growth momentum, preserve portfolio quality, protect profitability and improve operating efficiency. As our franchise continues to scale, our emphasis remains on converting business growth into consistent earnings, healthy returns and long-term shareholder value.”

During the quarter, HomeFirst added six branches, taking its network to 181 branches across 13 States / UT and 379 touchpoints, with 2,014 employees. Its Green Homes initiative certified 100 more homes, taking the cumulative total to 650. HomeFirst also won the ‘ESG & Financial Inclusion’ award in the NBFC category at ASSOCHAM’s 21st Annual Summit & Awards.

About Home First Finance Company India Limited

HomeFirst is a technology driven affordable housing finance company that targets first time home buyers in low and middle-income groups, primarily offering housing loans for the purchase or construction of homes.

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