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Can Fin Homes
SectorFinancial Services
Can Fin Homes Ltd. (CFHL) is a leading housing finance institution approved by National Housing Bank (NHB) in India. The company offers housing loans, affordable housing loans, composite loans, and top-up loans, as well as non-housing loans including mortgage loans, site loans, loans for commercial properties, personal loans, and education loans. CFHL also accepts Fixed and Cumulative Deposits. The company has a pan-India presence with 172 Branches, 21 Affordable Housing Loan Centres, and 12 Satellite Offices spread across 21 States and Union Territories. Incorporated in 1987 by Canara Bank, CFHL aims to promote home ownership and increase housing stock across the country. The company serves both salaried and self-employed non-professional (SENP) borrowers with competitive interest rates. As of March 31, 2023, CFHL's loan book portfolio stood at Rs 31,563 crore, with borrowings of Rs 29,068 crore and a Gross NPA of Rs 173.85 Crore.
In the news
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The Quarter story
The two most recent quarterly results, compared side-by-side.
Loan book keeps growing, but disbursements and margins are cooling.
Home loans grew from ₹35,093 Cr in Q3 FY26 to ₹36,172 Cr in Q2 FY27 — core housing book remains the main growth engine
Disbursements fell from ₹2,545 Cr in Q2 FY26 to ₹2,373 Cr in Q2 FY27 — new loan creation slowed after the Q4 FY26 peak
Loan book grew from ₹39,657 Cr in Q2 FY26 to ₹43,539 Cr in Q2 FY27 — balance-sheet expansion continued
Loan yield fell from 10.09% in Q2 FY26 to 9.84% in Q2 FY27 — pricing pressure is squeezing spread
Operating profit rose from ₹335 Cr in Q2 FY26 to ₹355 Cr in Q2 FY27 — earnings held up despite slower loan creation
Delinquency ratio rose from 7.99% in Q4 FY26 to 8.41% in Q2 FY27 — early-stage stress ticked up
Funding cost fell from 7.29% in Q2 FY26 to 7.01% in Q2 FY27 — cheaper funding supported profitability
Return on average equity fell from 18.41% in Q2 FY26 to 17.12% in Q2 FY27 — profitability is cooling
LAP and mortgage loans grew from ₹3,051 Cr in Q3 FY26 to ₹3,786 Cr in Q2 FY27 — secured lending added to the book
Cost-income ratio rose from 18.55% in Q2 FY26 to 19.59% in Q2 FY27 — operating costs are rising faster than income
Company insights, generated from the most recent coverage.
Q1 FY27 PAT up 20% YoY with disbursements surging 29% to ₹2,609 Cr, showing strong operational momentum.
Gross NPA improved to 0.87% from 0.98%, while ROE stands at 17.15%, reflecting robust asset quality and profitability.
Resignation of Independent Director Swarupananda Mallick in July 2026 introduces short-term governance uncertainty despite replacement appointment.