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Fin Homes LimitedMain BoardEquity2025-04-012026-03-312026-04-242026-04-16INRLakhsQuarterlyFourth quarterSingle segmentHousing Finance2026-04-2416:17:002026-04-2418:00:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesNAtruetruetrue2025-12-15https://www.canfinhomes.com/WebsiteDocuments/4b3ae535-d480-4e4e-89ee-9811a602946d.pdffalsefalseCompany has not defaulted on any loans and debt securities.2026-01-012026-03-31AuditedStandalone10564916000001716320000000107365480001567500010752223000000468954000634160500049230000350720000056380003219080007222407000352981600003529816000587906000-5148040007310200034567140000000345671400090770003465791000266331000225.9625.960025.9625.960.0640.0151The 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.There are no changes in the accounting policies for the year ended March 31, 2026 and there is no impact on net profit/loss, total comprehensive income or any other relevant financial item. <BR> <BR> 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. <BR> <BR> 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 March 31, 2026 (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). <BR> <BR> Disclosure pertaining to Resolution Framework for COVID-19-related Stress and resolution Framework - 2.0: Resolution of Covid-19 related stress of Individuals and Small Businesses to be read with Reserve Bank of India (Non Banking Financial Companies - Resolution of Stressed Assets) Directions, 2025, RBI 1D0R12025-261357 DOR.STR.REC.276121.04.048/2025- 26, dated November 28, 2025 as at March 31, 2026 are given below <BR> <BR> The Board of Directors had declared an Interim dividend of Rs. 7 per share for equity share of face value of Rs 2 each at their meeting held on December 15, 2025 and paid subsequently on 29/12/2025. <BR> <BR> The Board of Directors has at its meeting held on April 24, 2026, subject to the approval of shareholders at the Annual General Meeting, declared final dividend of Rs.8 per equity share of face value of Rs. 2 each for financial year 2025-26 . <BR> <BR> In compliance with Reg.33 and 52 of SEBI (LODR) Regulations, 2015, the above financial results for the quarter and financial year ended March 31, 2026 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 April 24, 2026. The above results have been subjected to audit by the Joint Statutory Auditors of the Company, in terms of the said regulations. <BR> <BR> The Company does not have any Susbsidiary/Associate/ Joint Venture Company. Accordingly, Consolidation of Financial Statements is not applicable for the Company. <BR> <BR> During the financial year ended March , 2026, the Company has redeemed following debentures as per the terms of issue : <BR> (i) 6.80% CFHL Secured Redeemable Non-Convertible Debentures of Rs 700 crores <BR> (ii) 6.80% CFHL Secured Redeemable Non-Convertible Debentures of Rs 260 crores <BR> (iii)6.85% CFHL Secured Redeemable Non-Convertible Debentures of Rs 400 crores <BR> (iv)7.80% CFHL Secured Redeemable Non-Convertible Debentures of Rs 1000 crores <BR> (v)8.08% CFHL Secured Redeemable Non-Convertible Debentures of Rs 301 crores <BR> <BR> During the financial year 2025-26, the Company has issued following NCDs : <BR> (i) 7.24% CFHL Secured Redeemable Non-Convertible Debentures of Rs 980 crores <BR> <BR> Previous period / year figures have been re-grouped wherever necessary to conform with current period presentation. <BR> <BR> The Company has disallowed the provision for standard assets and the provisions for undrawn loan commitments charged to the profit and loss account in computation of income tax.However, deferred tax assets (‘DTA’) relating to these provisions had not been recognised in the books of account. Now the DTA has been created on the Standard assets and Undrawn Commitment provisions resulting into a DTA Impact of Rs.49.38 Crores. <BR> <BR> The company has amortised Direct expenses & Direct income namely DSA Commission Expenses and Loan initiation fees.As a result both Income & expenses are lower in comparison to Previous year. However, the overall impact of Increase in Profit for the full year due to amortisation is Rs.5.01 Crores. <BR> <BR> The Government of India has notified the implementation of four new labour Codes on November 21, 2025, by consolidating and rationalizing 29 existing labour laws. The Company has assessed the final labour code impact on the financials which has an impact of additional provision by Rs.16.86 Lakhs towards gratuity for Year ended March 31, 2026. <BR> <BR> DTL as per the RBI (HFC) regulations on Special Reserves is not maintained in the books of accounts separately. However as per the RBI regulations the DTL on Special Reserve is considered for reduction in calculation of owned funds for the purpose of CRAR and other relevant ratios . <BR> <BR> The NRC of the Company at its meeting held on November 29,2025 had approved the grant of 1,76,377 options exercisable into not more than 1,76,377 equity shares of the company of the face value of Rs 2/- each fully paid up to 66 employees of the company in accordance with the CFHL ESOP Scheme 2024. <BR> <BR> 2025-04-012026-03-31AuditedStandalone4173860900000424044000000042162653000197650004218241800000017690910002563228800016687500010203900000396183000108029000029146766000130356520000130356520002720659000-54253000021781290001085752300000001085752300025880001086011100026633100025953771400081.5481.540081.5481.540.0640.0151Corporate Social Responsibility Expenses51464000Rates and tax43268000Professional fee - IBS29704000Professional fee - IBM22879000Other Expenses174593000Corporate Social Responsibility Expenses194714000Rates and tax147957000Professional fee - IBS118537000Professional fee - IBM22879000Other Expenses596203000136040003031374000024298000041647190600021429640000382538000441353360000001235190000498749000005979450000012532100024572050004438105650002663310005953771400059804045000598040450000505010007688920900030353308800021565700000583231000383212599000509860005784890000164446000793921000384006520000443810565000Other Financial assets382538000Other non-financial assets125321000Other financial liabilities583231000Other non-financial liabilities164446000-12130000-345900030530008710009077000258800000-14990000000-63522000-4018853900008171000000166875000004227500050606000-241750000000604050000004198750000-39543019000-2650736700000028876530000-293950200000000000033680001673570000005979450000000000225842900000000000344780001530973000000000001074454870007804392900086434000173100400000282942000278670620003015000030150001058900013604000Can Fin Homes Ltd******Suresh S Iyer******Managing Director & CEORemuneration25425000Respective Appointment Letters.2542500000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Remuneration5062000Respective Appointment Letters.506200000Can Fin Homes Ltd******Prashanth Joishy******Interim Chief Financial OfficerRemuneration1018000Respective Appointment Letters.101800000Can Fin Homes Ltd******Abhishek Mishra******Chief Financial OfficerRemuneration4631000Respective Appointment Letters.463100000Can Fin Homes Ltd******Nilesh Jain******Company SecretaryRemuneration3488000Respective Appointment Letters.348800000Can Fin Homes Ltd******Arvind Yennemadi******Independent DirectorAny other transactionSitting Fees1240000Transactions in the ordinary course of business124000000Can Fin Homes Ltd******Ajai Kumar******Independent DirectorAny other transactionSitting Fees1170000Transactions in the ordinary course of business117000000Can Fin Homes Ltd******Shubhalakshmi Panse******Independent DirectorAny other transactionSitting Fees1340000Transactions in the ordinary course of business134000000Can Fin Homes Ltd******Murali Ramaswami******Independent DirectorAny other transactionSitting Fees1180000Transactions in the ordinary course of business118000000Can Fin Homes Ltd******Anup Bhattachrya******Independent DirectorAny other transactionSitting Fees350000Transactions in the ordinary course of business35000000Can Fin Homes Ltd******Swarupananda Mallick******Independent DirectorAny other transactionSitting Fees560000Transactions in the ordinary course of business56000000Can Fin Homes Ltd******Canara HSBC Life Insurance Company Limited******Joint Venture with Canara BankAny other transactionCommission earned for the year38380000Approved by Audit Committee3838000000Can Fin Homes Ltd******Canara HSBC Life Insurance Company Limited******Joint Venture with Canara BankAny other transactionPlacement of Deposit towards insurance premium with the company0Approved by Audit Committee000Can Fin Homes Ltd******Canara HSBC Life Insurance Company Limited******Joint Venture with Canara BankAny other transactionPayment of Insurance Premiums on Behalf of Customers to Canara HSBC (Including Premium directly paid by customers to Canara HSBC)685000000Approved by Audit Committee68500000000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionInterest paid for the year1741355000Transactions in the ordinary course of business Approved by AC and Board174135500000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionInterest earned for the year204306000Transactions in the ordinary course of business Approved by AC and Board20430600000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionRent and maintenance expense paid for the year8056000Approved by Audit Committee805600000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionBank charges for the year3416000Approved by Audit Committee341600000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionDeposits made with Bank (including renewals)3000000000Transactions in the ordinary course of business Approved by AC and Board300000000030401760003000000000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionTerm Loans & other credit facilities outstanding at the year end23229102000Transactions in the ordinary course of business Approved by AC and Board232291020002765292600023229102000Can Fin Homes Ltd******Canara Bank******Sponsor Bank ( Promoter)Any other transactionBank balances24376000Transactions in the ordinary course of business Approved by AC and Board243760001735100024376000Can Fin Homes Ltd******Murali Ramaswami******Independent DirectorAny other transactionSitting Fees50000Transactions in the ordinary course of business500000028979505000AuditedtrueM/s Rao & Emmartrue2028-08-31M/s V K Ladha & Associatestrue2026-04-30