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Home First Finance Company India Ltd. engages in the provision of home lending and financing services. The company is headquartered in Mumbai, Maharashtra and currently employs 993 full-time employees. The company went IPO on 2021-02-03. The firm is primarily engaged in the business of lending housing loans, loans for the purpose of purchasing a commercial property, loans against property and construction finance. The Company’s products include home loans for salaried professionals, home loans for the self-employed, home construction loans, home extension and renovation loans, loans against property, home loans for non-resident Indians (NRIs), home loans for senior citizens, home loan balance transfers, home loans top up, and loans for purchase of commercial property. The firm provides a mobile application, Home First Customer Portal, which provides functions, such as accessing their loan statements, prepaying loans without any prepayment charges and raising service requests. The company targets first-time formal buyers in low-and middle-income groups. The firm has more than 100 branches across India.
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“Banking franchise in Housing Finance — Lending.”
Net Interest Income of ₹1,664 Cr on total income of ₹1,672 Cr.
Cost-to-income ratio at 20.7%. Provision coverage at 0.0% of income.
“guidance of 25% AUM growth on AUM.”
“next year we will look”
“target is to end the year at 25% AUM growth.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 12.4%▲ | 12.2% |
| ROCE | 9.9%▲ | 9.7% |
| Net Margin | 32.3%▲ | 26.5% |
| EBITDA Margin | 79.0%▼ | 83.4% |
| Debt To Equity | 2.43x▼ | 2.96x |
| Cost To Income | 20.7%▼ | 38.0% |
Historical valuation data not available.
Revenue segment breakdown not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| ₹1,915 Cr +25.1% | ₹1,530 Cr +34.5% | ₹1,137 Cr +43.8% | ₹791 Cr +32.8% | ₹596 Cr +24.8% | ₹477 Cr | |
| ₹8 Cr -12.1% | ₹9 Cr -51.5% | ₹19 Cr +314.0% | ₹5 Cr | ₹0.03 Cr -99.7% | ₹12 Cr | |
| Total Income | ₹1,923 Cr +24.9% | ₹1,539 Cr +33.1% | ₹1,157 Cr +45.4% | ₹796 Cr +33.6% | ₹596 Cr +21.8% | ₹489 Cr |
| ₹1,215 Cr +17.1% | ₹1,038 Cr +37.1% | ₹757 Cr +51.2% | ₹500 Cr +35.5% | ₹369 Cr +4.0% | ₹355 Cr | |
| Profit Before Tax | ₹708 Cr +41.1% | ₹502 Cr +25.4% | ₹400 Cr +35.5% | ₹295 Cr +30.5% | ₹226 Cr +68.8% | ₹134 Cr |
| ₹167 Cr +40.0% | ₹120 Cr +26.8% | ₹94 Cr +40.8% | ₹67 Cr +66.5% | ₹40 Cr +18.6% | ₹34 Cr | |
| Net Profit | ₹540 Cr +41.4% | ₹382 Cr +25.0% | ₹306 Cr +33.9% | ₹228 Cr +22.7% | ₹186 Cr +85.8% | ₹100 Cr |
| Other Comprehensive Income | (₹0.69 Cr) -90.3% | (₹0.36 Cr) -57.6% | (₹0.23 Cr) -62.4% | (₹0.14 Cr) +55.9% | (₹0.32 Cr) +2.4% | (₹0.33 Cr) |
| EPS | ₹51.80 | ₹42.43 | ₹34.54 | ₹25.94 | ₹21.24 | ₹11.46 |
| Diluted Shares | ₹10 Cr | ₹9 Cr | ₹9 Cr | ₹9 Cr | ₹9 Cr | ₹9 Cr |
| Fees And Commission Income | ₹83 Cr +82.7% | ₹45 Cr +356.0% | ₹10 Cr -4.6% | ₹10 Cr +689.7% | ₹1 Cr -62.7% | ₹4 Cr |
| Net Gain On Amortised Derecognition | ₹112 Cr +22.9% | ₹91 Cr +44.6% | ₹63 Cr +65.9% | ₹38 Cr -43.9% | ₹68 Cr +54.4% | ₹44 Cr |
| Impairment On Financial Instruments | ₹57 Cr +97.7% | ₹29 Cr +13.1% | ₹25 Cr +18.2% | ₹22 Cr -14.0% | ₹25 Cr -22.2% | ₹32 Cr |
No related party data available for this company.
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Home First Finance Company India Limited has informed the Exchange about Link of Recording
Home First Finance Company India Limited has informed the Exchange about Copy of Newspaper Publication of the Reviewed Financial Results for the quarter ended June 30, 2026
Home First Finance Company India Limited has informed the Exchange regarding a press release dated July 27, 2026, titled "Investor Press Release on the Financial and Operational Performance of the Com...
Home First Finance Company India Limited has informed the Exchange about Investor Presentation
Home First Finance Company India Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Home First Finance Company India Limited has informed the Exchange about Schedule of meet
Home First Finance Company India Limited has informed the Exchange about Intimation of allotment of Equity shares against exercise of vested Employee Stock Options under ESOP Schemes of the Company.
Home First Finance Company India Limited has informed the Exchange about Schedule of meet
Home First Finance Company India Limited has informed the Exchange about ESG Rating by SES ESG Research Private Limited
Home First Finance Company India Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2026
Home First Finance Company India Limited has informed the Exchange about Outcome of the Investor Meet
Home First Finance Company India Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Home First Finance Company India Limited has informed the Exchange about Schedule of meet
Home First Finance Company India Limited has informed the Exchange about Outcome of the Investor Meet
Home First Finance Company India Limited has informed the Exchange about the ESG Score assigned by ESG Risk Assessments and Insights Limited.