INTEGRATED FILING — NBFC



General information about company

Scrip code 511196
NSE Symbol CANFINHOME
MSEI Symbol NOTLISTED
ISIN INE477A01020
Name of company Can Fin Homes Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 18-10-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 10-10-2025
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Second quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Unaudited
Segment Reporting Single segment
Description of single segment Housing Finance
Start date and time of board meeting 18-10-2025   17:00:00
End date and time of board meeting 18-10-2025   18:00:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. NA
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? Yes
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? Yes
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 15-03-2025
Indicate Company website link for updated RPT policy of the Company https://www.canfinhomes.com/Policies_and_Codes
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Company has not defaulted on any loans and debt securities.


Financial Results — NBFC

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Income
Revenue from operations
(i) Interest Income 1,04,316.50 2,05,422.84
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 628.05 1,554.68
(v) Net gain on fair value changes 0.00 0.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 0.00 0.00
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 0.00 0.00
(ix) Other revenue from operations
Total other revenue from operations
Total Revenue From Operations 1,04,944.55 2,06,977.52
Other income 0.79 8.23
Total income 1,04,945.34 2,06,985.75
2 Expenses
Cost of materials consumed 0.00 0.00
Purchases of stock-in-trade 0.00 0.00
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0.00 0.00
Employee benefit expense 4,326.05 8,493.01
Finance costs 63,857.84 1,28,688.86
Depreciation, depletion and amortisation expense 395.96 742.44
Fees and commission expense 302.33 349.30
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 0.00 0.00
Impairment on financial instruments 307.02 2,932.20
(f) Other expenses
1 Corporate Social Responsibility Expenses 477.50 955.00
2 Rates and tax 348.11 663.41
3 Professional fee - IBS 293.80 587.60
4 Other Expenses 1,479.05 2,652.50
Total other expenses 2,598.46 4,858.51
Total expenses 71,787.66 1,46,064.32
3 Total profit before exceptional items and tax 33,157.68 60,921.43
4 Exceptional items 0.00 0.00
5 Total profit before tax 33,157.68 60,921.43
7 Tax expense
8 Current tax 7,246.90 13,597.98
9 Deferred tax 767.95 (206.70)
10 Total tax expenses 8,014.85 13,391.28
11 Net Profit Loss for the period from continuing operations 25,142.83 47,530.15
12 Profit (loss) from discontinued operations before tax 0.00 0.00
13 Tax expense of discontinued operations 0.00 0.00
17 Net profit (loss) from discontinued operation after tax 0.00 0.00
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0.00 0.00
15 Total profit (loss) for period 25,142.83 47,530.15
16 Other comprehensive income net of taxes (8.36) (58.17)
17 Total Comprehensive Income for the period 25,134.47 47,471.98
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent
Total profit or loss, attributable to non-controlling interests
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent
Total comprehensive income for the period attributable to owners of parent non-controlling interests
20 Details of equity share capital
Paid-up equity share capital 2,663.31 2,663.31
Face value of equity share capital 2 2
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 18.88 35.7
Diluted earnings per share from continuing operations 18.88 35.7
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 18.88 35.7
Diluted earnings per share 18.88 35.7
23 Debt equity ratio 6.6100 6.6100
24 Debt service coverage ratio
25 Interest service coverage ratio
26 Disclosure of notes on financial results Textual Information(1)


Remarks

23 Debt equity ratio
24 Debt service coverage ratio
25 Interest service coverage ratio


Text Block

Textual Information(1) The financial results have been prepared in accordance with the recognition and measuresement principles laid down in Indian Accounting Standard 34 Interim Financial Reporting, notified under Section 133 of the Companies Act, 2013 read with Companies (Indian Accounting Standards) Rules, 2015, as amended from time to time, and other accounting principles generally accepted in India. and is in compliance with the presentation and disclosure requirements as prescibed under regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirement) Regulations, 2015 as amended. The circular/direction issued by the Reserve Bank of India and NHB are implemented as and when they become applicable. The main business of the company is to provide loans against /for purchase, construction, renovation of houses/flats/commercial properties. All the activities of the Company are incidental to the main business and accordingly there are no seperate reportable segment as per the Ind AS 108 “Operating Segments”, specified under Section 133 of the Companies Act, 2013. Disclosure as per the Reg. 54(2) of SEBI (LODR) Regulations, 2015 the Company has maintained 100% Asset Cover on its secured redeemable non-convertible debentures as on September 30, 2025 (floating charge on hypothecation of book debts and receivables). That proceeds of the NCDs are used for the objects that were stated in the offer document(s). The Shareholders of the Company in its 38th Annual General Meeting held on August 20, 2025 had approved final dividend of Rs. 6/- per equity share of face value of Rs. 2/- for the financial year ended March 31, 2025 and the dividend was paid subsequently on August 28, 2025. In compliance with Reg.33 and 52 of SEBI (LODR) Regulations, 2015, the above financial results for the quarter and half year ended September 30, 2025 have been reviewed and recommended by the Audit Committee of the Board and subsequently approved by the Board of Directors at their respective meetings held on October 18, 2025. The above results have been subjected to a Limited Review by the Joint Statutory Auditors of the Company, in terms of the said regulations. The Company does not have any Susbsidiary/Associate/ Joint Venture Company. Accordingly, Consolidation of Financial Statements is not applicable for the Company. Figures for the quarter ended March 31, 2025 is the balancing figures between audited figures for the full financial year and the reviewed year to date figure upto the third quarter of the respective financial year. which were subjected to limited review. Previous period / year figures have been re-grouped wherever necessary to conform with current period presentation.


Cash flow statement, indirect

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2025
B Date of end of reporting period 30-09-2025
C Whether results are audited or unaudited Unaudited
D Nature of report standalone or consolidated Standalone
Statement of cash flows
Cash flows from used in operating activities
Profit before tax 60,921.43
Adjustments for reconcile profit (loss)
Adjustments for finance costs 0.00
Adjustments for decrease (increase) in inventories 0.00
Adjustments for decrease (increase) in trade receivables, current 18.34
Adjustments for decrease (increase) in trade receivables, non-current 0.00
Adjustments for decrease (increase) in other current assets 0.00
Adjustments for decrease (increase) in other non-current assets 0.00
Adjustments for other financial assets, non-current (2,786.21)
Adjustments for other financial assets, current (1,41,108.95)
Adjustments for other bank balances 0.00
Adjustments for increase (decrease) in trade payables, current (282.01)
Adjustments for increase (decrease) in trade payables, non-current 0.00
Adjustments for increase (decrease) in other current liabilities 0.00
Adjustments for increase (decrease) in other non-current liabilities 380.65
Adjustments for depreciation and amortisation expense 742.44
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0.00
Adjustments for provisions, current 0.00
Adjustments for provisions, non-current 0.00
Adjustments for other financial liabilities, current (22,174.65)
Adjustments for other financial liabilities, non-current (511.44)
Adjustments for unrealised foreign exchange losses gains 0.00
Adjustments for dividend income 0.00
Adjustments for interest income 0.00
Adjustments for share-based payments 0.00
Adjustments for fair value losses (gains) 414.09
Adjustments for undistributed profits of associates 0.00
Other adjustments for which cash effects are investing or financing cash flow 0.00
Other adjustments to reconcile profit (loss) 0.00
Other adjustments for non-cash items 3,055.99
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0.00
Total adjustments for reconcile profit (loss) (1,62,251.75)
Net cash flows from (used in) operations (1,01,330.32)
Dividends received 0.00
Interest paid 0.00
Interest received 0.00
Income taxes paid (refund) 16,000.00
Other inflows (outflows) of cash 0.00
Net cash flows from (used in) operating activities (1,17,330.32)
Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0.00
Cash flows used in obtaining control of subsidiaries or other businesses 0.00
Other cash receipts from sales of equity or debt instruments of other entities 0.00
Other cash payments to acquire equity or debt instruments of other entities 0.00
Other cash receipts from sales of interests in joint ventures 0.00
Other cash payments to acquire interests in joint ventures 0.00
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0.00
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0.00
Proceeds from sales of property, plant and equipment 32.31
Purchase of property, plant and equipment 704.89
Proceeds from sales of investment property 0.00
Purchase of investment property 0.00
Proceeds from sales of intangible assets 0.00
Purchase of intangible assets 0.00
Proceeds from sales of intangible assets under development 0.00
Purchase of intangible assets under development 3,354.66
Proceeds from sales of goodwill 0.00
Purchase of goodwill 0.00
Proceeds from biological assets other than bearer plants 0.00
Purchase of biological assets other than bearer plants 0.00
Proceeds from government grants 0.00
Proceeds from sales of other long-term assets 22,933.23
Purchase of other long-term assets 0.00
Cash advances and loans made to other parties 0.00
Cash receipts from repayment of advances and loans made to other parties 0.00
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0.00
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0.00
Dividends received 0.00
Interest received 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 369.49
Net cash flows from (used in) investing activities 19,275.48
Cash flows from used in financing activities
Proceeds from changes in ownership interests in subsidiaries 0.00
Payments from changes in ownership interests in subsidiaries 0.00
Proceeds from issuing shares 0.00
Proceeds from issuing other equity instruments 0.00
Payments to acquire or redeem entity's shares 0.00
Payments of other equity instruments 0.00
Proceeds from exercise of stock options 0.00
Proceeds from issuing debentures notes bonds etc 0.00
Proceeds from borrowings 1,74,891.57
Repayments of borrowings 68,984.29
Payments of lease liabilities 438.56
Dividends paid 7,989.25
Interest paid 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 662.07
Net cash flows from (used in) financing activities 98,141.54
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 86.70
Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0.00
Net increase (decrease) in cash and cash equivalents 86.70
Cash and cash equivalents cash flow statement at beginning of period 105.89
Cash and cash equivalents cash flow statement at end of period 192.59




Statement of Asset and Liabilities

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-04-2025
Date of end of reporting period 30-09-2025
Whether results are audited or unaudited Unaudited
Nature of report standalone or consolidated Standalone
Assets
1 Finanical Asset
Cash and cash equivalents 192.59
Bank Balance other than (a) above 30,289.04
Derivative financial instruments 0.00
Receivables
(I) Trade Receivables 74.74
(II) Other Receivables 0.00
Loans 39,07,829.29
Investments 2,14,464.92
Other Financial assets 3,828.50
Total Financial Assets 41,56,679.08
2 Non Financial Asset
Inventories 0.00
Current tax assets (Net) 0.00
Deferred tax Assets (Net) 7,161.56
Investment Property 4,847.55
Biological assets other than bearer plants 0.00
Property, Plant and Equipment 0.00
Capital work-in-progress 0.00
Intangible assets under development 3,354.66
Goodwill 0.00
Other Intangible assets 0.00
Other non-financial assets (to be specified) 3,443.64
Total Non Financial Assets 18,807.41
Total assets 41,75,486.49
Equity and liabilities
1 Equity
Equity attributable to owners of parent
Equity share capital 2,663.31
Other equity 5,43,568.80
Total equity attributable to owners of parent 5,46,232.11
Non controlling interest
Total equity 5,46,232.11
2 Liabilities
2.1 Financial Liabilities
(a) Derivative financial instruments
(b) Payables
(I)Trade Payables
(i) total outstanding dues of micro enterprises and small enterprises 325.60
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises
II) Other Payables
(i) total outstanding dues of micro enterprises and small enterprises
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises
(C ) Debt Securities 10,14,922.02
(d) Borrowings (Other than Debt Securities) 25,76,343.10
(e) Deposits 19,398.35
(f) Subordinated Liabilities 0.00
(g) Other financial liabilities 6,876.10
Total Financial Liabilities 36,17,865.17
2.2 Non-Financial Liabilities
(a) Current tax liabilities (Net) 3,086.39
(b) Provisions 6,054.70
(C ) Deferred tax liabilities (Net) 0.00
(d) Other non-financial liabilities 2,248.12
Total Non Financial Liabilities 11,389.21
Total liabilities 36,29,254.38
Total equity and liabilites 41,75,486.49
Disclosure of notes on assets and liabilities


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets
Net Segment Asset
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities
Net Segment Liabilities
Disclosure of notes on segments


Other Comprehensive Income

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
Total Amount of items that will not be reclassified to profit and loss
2 Income tax relating to items that will not be reclassified to profit or loss 11.17 77.73
3 Amount of items that will be reclassified to profit and loss
Total Amount of items that will be reclassified to profit and loss
4 Income tax relating to items that will be reclassified to profit or loss (2.81) (19.56)
5 Total Other comprehensive income (8.36) (58.17)




Amount in (Lakhs)

Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)

Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of the related party transaction ratified by the audit committee Date of Audit Committee Meeting where the ratification was approved Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 Can Fin Homes Ltd Suresh S Iyer Managing Director & CEO Remuneration 140.53 Respective Appointment Letters. 140.53 0.00 0.00
2 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Remuneration 25.33 Respective Appointment Letters. 25.33 0.00 0.00
3 Can Fin Homes Ltd Prashanth Joishy Interim Chief Financial Officer Remuneration 10.18 Respective Appointment Letters. 10.18 0.00 0.00
4 Can Fin Homes Ltd Abhishek Mishra Chief Financial Officer Remuneration 14.88 Respective Appointment Letters. 14.88 0.00 0.00
5 Can Fin Homes Ltd Nilesh Jain Company Secretary Remuneration 17.25 Respective Appointment Letters. 17.25 0.00 0.00
6 Can Fin Homes Ltd Arvind Yennemadi Independent Director Any other transaction Sitting Fees 5.80 Transactions in the ordinary course of business 5.80 0.00 0.00
7 Can Fin Homes Ltd Ajai Kumar Independent Director Any other transaction Sitting Fees 6.00 Transactions in the ordinary course of business 6.00 0.00 0.00
8 Can Fin Homes Ltd Shubhalakshmi Panse Independent Director Any other transaction Sitting Fees 7.30 Transactions in the ordinary course of business 7.30 0.00 0.00
9 Can Fin Homes Ltd Murali Ramaswami Independent Director Any other transaction Sitting Fees 5.00 Transactions in the ordinary course of business 5.00 0.00 0.00
10 Can Fin Homes Ltd Anup Bhattachrya Independent Director Any other transaction Sitting Fees 3.50 Transactions in the ordinary course of business 3.50 0.00 0.00
11 Can Fin Homes Ltd Swarupananda Mallick Independent Director Any other transaction Sitting Fees 1.00 Transactions in the ordinary course of business 1.00 0.00 0.00
12 Can Fin Homes Ltd Murali Ramaswami Independent Director Any other transaction Honorarium 0.50 Honorarium 0.50 0.00 0.00
13 Can Fin Homes Ltd Canara HSBC Life Insurance Company Limited Joint Venture with Canara Bank Any other transaction Commission earned for the year 150.80 Approved by Audit Committee 150.80 0.00 0.00
14 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Interest paid for the year 9,468.11 Transactions in the ordinary course of business Approved by AC and Board 9,468.11 0.00 0.00
15 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Interest earned for the year 1,034.23 Transactions in the ordinary course of business Approved by AC and Board 1,034.23 0.00 0.00
16 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Rent and maintenance expense paid for the year 39.72 Approved by Audit Committee 39.72 0.00 0.00
17 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Bank charges for the year 15.17 Approved by Audit Committee 15.17 0.00 0.00
18 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Deposits made with Bank 30,000.00 Transactions in the ordinary course of business Approved by AC and Board 30,000.00 30,401.76 30,000.00
19 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Term Loans & other credit facilities outstanding at the year end 41,550.24 Transactions in the ordinary course of business Approved by AC and Board 41,550.24 2,76,529.26 2,34,979.02 Loan 7.100 7 years Secured Onward Lending
20 Can Fin Homes Ltd Canara Bank Sponsor Bank ( Promoter) Any other transaction Bank balances 329.45 Transactions in the ordinary course of business Approved by AC and Board 329.45 173.51 329.45
Total value of transaction during the reporting period 82,824.99