Q2 2026 Can Fin Homes Ltd Earnings Call Transcript

Oct 20, 2025 / 05:30 AM GMT

Release Date Price: ₹838.35 (+4.66%)

Transcript

Key Points

Positve

Can Fin Homes Ltd (BOM:511196) achieved a significant milestone by crossing INR 2,500 crores in disbursements for the first time in a quarter.
The company reported a reduction in overall delinquency, bringing it down to approximately INR 3,850 crores, indicating improved credit quality.
Net Interest Margin (NIM) improved, crossing 4%, driven by a 100 basis points benefit from a reported rate cut.
The company successfully implemented the first phase of its IT transformation, enhancing operational efficiency.
Can Fin Homes Ltd (BOM:511196) received a refinance sanction of INR 1,500 crores from NHB at an indicative rate of 6.8%, which is expected to provide a rate advantage.

Negative

The company experienced higher prepayments, particularly in Telangana, which affected Asset Under Management (AUM) growth.
Despite improvements, the delinquency rate in the self-employed segment remains higher than in the salaried segment.
The transition from annual to quarterly reset for loans is ongoing, which may impact margins as more loans are reset.
The IT transformation, while beneficial, requires significant retraining of staff, potentially impacting short-term productivity.
The company has set a conservative disbursement target for Q3 due to the ongoing IT transformation, which may limit growth potential in the short term.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CNFH.NS - Can Fin Homes Ltd
Q2 2026 Can Fin Homes Ltd Earnings Call
Oct 20, 2025 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good morning, everyone.

Welcome to the quarter to 5:26 means conference call off Kenton Hols Limited, hosted by Investor Capital.

We will start with the management commentary, followed by a Qin session.

To discuss financial performance of Canfinhos, and to address your queries, we have Mr.

We have with us Mr.

Mr.

Vikram Saha, Deputy MD

Mr.

Prakash, President and central office of the company.

I would now like to hand over the call to Mr.

Sudesh Air for his overcomments.

Oh what do you, sir?

Thank you, Nadesh.

Very good morning to all of you and very happy regarded to all of you.

So thank you for

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