Q3 2026 Can Fin Homes Ltd Earnings Call Transcript
Key Points
- Can Fin Homes Ltd (BOM:511196) achieved record disbursements of 2,727 crores in Q3, marking a 45% increase over the same quarter last year.
- The company reported a sequential growth of 7% in disbursements compared to Q2.
- AUM growth improved from 8.4% to 9.5%, indicating a positive trend in asset management.
- Delinquency numbers have improved for the fourth consecutive quarter, with SMA numbers coming down.
- The company has successfully passed on a cumulative 50 basis points rate benefit to customers, aligning with RBI's rate cuts.
- AUM growth was slightly impacted by higher prepayments, with 1,691 crores in loan closures affecting growth.
- The annual reset of loans has led to higher prepayments, impacting the company's ability to retain customers.
- The IT transformation project has faced delays, potentially pushing its impact into Q1 of the next fiscal year.
- The company is experiencing pressure from prepayments and loan closures, which could affect future growth.
- Despite improvements, the spread and NIMs are expected to stabilize at slightly lower levels due to timing differences in rate benefits.
Hi, good afternoon, everybody. Welcome to this call. I'm Sopna from Investec, handing over, to give a brief introduction about the call and the management to my colleague, Nadi Jen, who is the lyst VSSI. Thank you everyone.
Thank you, Sopna. Good afternoon everyone. Welcome to the Quarter 3 FY26 Earnings conference call of Tencent Homes Limited, hosted by Investor Capital. We will start the call with management commentary followed by a Q&A session, to discuss the financial performance of Tencent Homes and to address your queries, we have with us Mr. Suresh Priya, MDN CEO, Mr. Vikram Saha, Dipy Andy, Mr. Praakkash, President, and Mr. Abhishek Mishra, CFO of Tencent Homes Limited. I would now like to hand over the call to Mr. Suresh Air for his opening comments. Over to you, sir.
Yeah, good afternoon, and thank you, Swapna and N for the introduction.
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