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-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 23-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Single segment
Description of single segment Housing Finance
Start date and time of board meeting 23-Apr-2025   01:01:00
End date and time of board meeting 23-Apr-2025   02:02:00
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 Declaration of unmodified opinion
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. Yes
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 2025-03-15
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? Yes
No. of times funds raised during the quarter 3
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
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
Part I Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column.
1 Income
Revenue from operations
(i) Interest Income 9828641000 38425925000
(ii) Dividend Income 0 0
(iii) Rental Income 0 0
(iv) Fees and commission Income 157178000 356659000
(v) Net gain on fair value changes 0 0
(vi) Net gain on derecognition of financial instruments under amortised cost category 0 0
(vii) Sale of products (including Excise Duty) 0 0
(viii) Sale of services 0 0
(ix) Other revenue from operations
Total other revenue from operations
Total Revenue From Operations 9985819000 38782584000
Other income 10666000 13595000
Total income 9996485000 38796179000
2 Expenses
Cost of materials consumed 0 0
Purchases of stock-in-trade 0 0
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0 0
Employee benefit expense 307218000 1120071000
Finance costs 6343414000 24881571000
Depreciation, depletion and amortisation expense 41165000 128681000
Fees and commission expense 100991000 303504000
Net loss on fair value changes 0 0
Net loss on derecognition of financial instruments under amortised cost category 0 0
Impairment on financial instruments 154273000 757755000
(f) Other expenses
1 Other Operating expenses 257882000 829891000
Total other expenses 257882000 829891000
Total expenses 7204943000 28021473000
3 Total profit before exceptional items and tax 2791542000 10774706000
4 Exceptional items 0 0
5 Total profit before tax 2791542000 10774706000
7 Tax expense
8 Current tax 381568000 2236680000
9 Deferred tax 70824000 -33629000
10 Total tax expenses 452392000 2203051000
11 Net Profit Loss for the period from continuing operations 2339150000 8571655000
12 Profit (loss) from discontinued operations before tax 0 0
13 Tax expense of discontinued operations 0 0
17 Net profit (loss) from discontinued operation after tax 0 0
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0 0
15 Total profit (loss) for period 2339150000 8571655000
16 Other comprehensive income net of taxes -1178000 -3705000
17 Total Comprehensive Income for the period 2337972000 8567950000
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 200000 200000
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 17.57 64.37
Diluted earnings per share from continuing operations 17.57 64.37
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 17.57 64.37
Diluted earnings per share 17.57 64.37
23 Debt equity ratio 0.0696 0.0696
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)


Cash flow statement, indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2024
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
Part I Blue color marked fields are non-mandatory.
Statement of cash flows
Cash flows from used in operating activities
Profit before tax 10774706000
Adjustments for reconcile profit (loss)
Adjustments for finance costs 128681000
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables, current -421000
Adjustments for decrease (increase) in trade receivables, non-current 0
Adjustments for decrease (increase) in other current assets 0
Adjustments for decrease (increase) in other non-current assets -17288000
Adjustments for other financial assets, non-current -32191092000
Adjustments for other financial assets, current -12672000
Adjustments for other bank balances 0
Adjustments for increase (decrease) in trade payables, current 13718000
Adjustments for increase (decrease) in trade payables, non-current 0
Adjustments for increase (decrease) in other current liabilities 98029000
Adjustments for increase (decrease) in other non-current liabilities 79666000
Adjustments for depreciation and amortisation expense 0
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for provisions, current 757755000
Adjustments for provisions, non-current -24886000
Adjustments for other financial liabilities, current -963222000
Adjustments for other financial liabilities, non-current 32851735000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for interest income 11672000
Adjustments for share-based payments 0
Adjustments for fair value losses (gains) 0
Adjustments for undistributed profits of associates 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 66422000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments for reconcile profit (loss) 774753000
Net cash flows from (used in) operations 11549459000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 2215724000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities 9333735000
Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of property, plant and equipment 2079000
Purchase of property, plant and equipment 166452000
Proceeds from sales of investment property 0
Purchase of investment property 0
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Proceeds from sales of intangible assets under development 0
Purchase of intangible assets under development 0
Proceeds from sales of goodwill 0
Purchase of goodwill 0
Proceeds from biological assets other than bearer plants 0
Purchase of biological assets other than bearer plants 0
Proceeds from government grants 0
Proceeds from sales of other long-term assets 0
Purchase of other long-term assets 9181741000
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 1500740000
Net cash flows from (used in) investing activities -7845374000
Cash flows from used in financing activities
Proceeds from changes in ownership interests in subsidiaries 0
Payments from changes in ownership interests in subsidiaries 0
Proceeds from issuing shares 0
Proceeds from issuing other equity instruments 0
Payments to acquire or redeem entity's shares 0
Payments of other equity instruments 0
Proceeds from exercise of stock options 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 0
Payments of lease liabilities 153808000
Dividends paid 1331541000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities -1485349000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 3012000
Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 3012000
Cash and cash equivalents cash flow statement at beginning of period 7577000
Cash and cash equivalents cash flow statement at end of period 10589000




Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
Assets
1 Finanical Asset
Cash and cash equivalents 10589000
Bank Balance other than (a) above 3065853000
Derivative financial instruments 0
Receivables
(I) Trade Receivables 9308000
(II) Other Receivables 0
Loans 376964369000
Investments 23739814000
Other Financial assets 90515000
Total Financial Assets 403880448000
2 Non Financial Asset
Inventories 0
Current tax assets (Net) 4530169000
Deferred tax Assets (Net) 693530000
Investment Property 0
Biological assets other than bearer plants 0
Property, Plant and Equipment 503447000
Capital work-in-progress 0
Intangible assets under development 0
Goodwill 0
Other Intangible assets 0
Other non-financial assets (to be specified) 65744000
Total Non Financial Assets 5792890000
Total assets 409673338000
Equity and liabilities
1 Equity
Equity attributable to owners of parent
Equity share capital 266331000
Other equity 50408606000
Total equity attributable to owners of parent 50674937000
Non controlling interest
Total equity 50674937000
2 Liabilities
2.1 Financial Liabilities
(a) Derivative financial instruments 0
(b) Payables 0
(I)Trade Payables
(i) total outstanding dues of micro enterprises and small enterprises 0
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 60760000
II) Other Payables
(i) total outstanding dues of micro enterprises and small enterprises 0
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 0
(C ) Debt Securities 108493519000
(d) Borrowings (Other than Debt Securities) 240145153000
(e) Deposits 1873628000
(f) Subordinated Liabilities 0
(g) Other financial liabilities 2905075000
Total Financial Liabilities 353478135000
2.2 Non-Financial Liabilities
(a) Current tax liabilities (Net) 4676905000
(b) Provisions 567405000
(C ) Deferred tax liabilities (Net) 0
(d) Other non-financial liabilities 275956000
Total Non Financial Liabilities 5520266000
Total liabilities 358998401000
Total equity and liabilites 409673338000
Disclosure of notes on assets and liabilities


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
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
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
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 1574000 4951000
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 -396000 -1246000
5 Total Other comprehensive income -1178000 -3705000




Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s Rao & Emmar Yes 31-Aug-2025
2 M/s V K Ladha & Associates Yes 30-Apr-2026


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth


Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising Others
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 30-Jan-2025
Amount Raised 5000000000
Report filed for Quarter ended 31-Mar-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation
Comments of the Audit Committee after review
Comments of the auditors, if any
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any


Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (2)
Mode of Fund Raising Others
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 04-Mar-2025
Amount Raised 5400000000
Report filed for Quarter ended 31-Mar-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation
Comments of the Audit Committee after review
Comments of the auditors, if any
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any


Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (3)
Mode of Fund Raising Others
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 18-Mar-2025
Amount Raised 15100000000
Report filed for Quarter ended 31-Mar-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation
Comments of the Audit Committee after review
Comments of the auditors, if any
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any


Signatory Details
Name of signatory Prashanth Joishy
Designation of person Chief Financial Officer
Place Bangalore
Date 23-Apr-2025




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 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 Limited Suresh S Iyer Managing Director & CEO Remuneration 23741000 Respective Appointment Letters. 20557000 0 0
2 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Remuneration 10000000 Salary & other benefits of Whole Time Director and deputed staff,As per the Canara Bank Officers Service Regulations, amended from time to time. 4652000 0 0
3 Can Fin Homes Limited Apurav Agarwal Chief Financial Officer Remuneration 4948000 Respective Appointment Letters. 4343000 0 0
4 Can Fin Homes Limited Nilesh Jain Company Secretary Remuneration 3045000 Respective Appointment Letters. 2888000 0 0
5 Can Fin Homes Limited Canbank Computer Services Limited Subsidiaries of Canara Bank Any other transaction Registrar & Transfer Agency charges and Call Center Services 10000000 As per the RTA Agreement dt.16/07/2019 1441000 0 0
6 Can Fin Homes Limited Canara HSBC Insurance Company Limited Joint Venture with Canara Bank Any other transaction Commission earned for the year 200000000 Approved by Audit Committee 31929000 0 0
7 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Interest paid 0 Transactions in the ordinary course of business Approved by AC and Board 1458934000 0 0
8 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Interest received 800000000 Transactions in furtherance to ordinary course of business, as per Investment Policy 337778000 0 0
9 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Any other transaction Rent 10000000 Approved by Audit Committee 7514000 0 0
10 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Any other transaction Bank Balance 10000000 Approved by Audit Committee 3456000 0 0
11 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Dividend paid 0 Payment as arm's length 159785000 0 0
12 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Investment 10000000000 Transactions in the ordinary course of business, as per Investment Policy 3040176000 4545907000 3040176000
13 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Loan 37700000000 Term Loans & other credit facilities outstanding at the year end , Transactions in the ordinary course of business Approved by AC and Board 27652926000 14793704000 27652926000
14 Can Fin Homes Limited Canara Bank Sponsor Bank ( Promoter) Any other transaction Bank Balance 17351000 Transactions in the ordinary course of business Approved by AC and Board 17351000 16677000 17351000
15 Can Fin Homes Limited Prashanth Joishy Interim Chief Financial Officer Remuneration 0 Terms of Appointment approved by Board of Directors 99000 0 0
Total value of transaction during the reporting period 32743829000





Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt