Q1 2026 Can Fin Homes Ltd Earnings Call Transcript
Key Points
- Can Fin Homes Ltd (BOM:511196) achieved a record disbursement of INR 2,000 crore in Q1 FY26, marking a 9% growth.
- The North, West, and Tamil Nadu zones showed strong performance with growth rates of over 40%, 35%, and 15% respectively.
- The company has successfully reduced its total delinquency by INR 280 crores compared to March '25, marking the lowest delinquency percentage in the last five quarters.
- Can Fin Homes Ltd plans to open 15 new branches by September 30, 2025, to further boost business growth.
- The company has increased its sales team from 39 to 100 people, contributing to a higher percentage of incremental business.
- Telangana zone continues to show negative growth, and Karnataka remains flat due to E-Khata issues.
- The cost to income ratio is slightly elevated due to salary revisions and increased rent and taxes from branch expansions.
- The company's NPA increased by INR 45 crores in Q1 FY26, following a historical trend of first-quarter spikes.
- Despite a reduction in delinquency, the company allowed 96 sticky accounts totaling INR 13.90 crore to flow to NPA for recovery.
- The company's dependency on DSAs remains high, with only a marginal reduction from 85% to 79% over the past quarters.
Ladies and gentlemen, good day and welcome to earnings update of Can Fin Homes Limited hosted by Investec India. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Nidhesh Jain from Investec India. Thank you and over to you, sir.
Thank you, Avirat. Good afternoon, everyone. Welcome to the Q1 FY26 earnings conference call of Can Fin Homes Limited. To discuss the financial performance of Can Fin Homes and to address your queries, we have with us Mr. Suresh Iyer, MD and CEO; Mr. Vikram Saha, Deputy MD; Mr. Prakash, General Manager; and Mr. Abhishek Mishra, CFO of Can Fin Homes Limited.
I would now like to hand over the call to Mr. Suresh Iyer for his opening comments. Over to you, sir.
Thank you, Nidhesh, and welcome to everyone to this earnings call for the first quarter results of Can Fin Homes. As
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