Slides
Page 1
Investor Presentation Q3FY26 38 years of vision, passion and progress Offering home loans since 1987….. and it is just a beginning Jan 2026
Page 2
www.canfinhomes.com 2 About Us Legacy • 38 year old institution registered as a deposit taking HFC with NHB • Promoted by Canara Bank in the year 1987 (shareholding of 30% approx.) • Can Fin Homes is a part of the Canara Group Financial Conglomerate led by Canara Bank • Listed in 1989. Carries a legacy of uninterrupted dividend payment since inception Focus • To promote home ownership across India, with a motto of friendship finance and good service • To focus on Housing loans to Individuals • To have strong fundamentals with ethical & transparent practices and prudent underwriting Vision • To increase lending to new home aspirants, enhance value for our stakeholders, uphold our ethics and good corporate governance Reach • Headquartered in Bengaluru • Pan-India presence with 249 branches/offices as on 31/12/2025; • Spread across 21 States / Union Territories.
Page 3
Journey So Far 1987 1991 2011 2015 2017 Loan book crossed Rs. 100 Cr First branch of CFHL opened at Jayanagar, Bengaluru 100th branch at Begur, Bengaluru. 1st satellite office at Yelahanka 41 branches – we started expanding Loan book over Rs. 10000 Cr Rights issue of CFHL – mCap over Rs. 1000 Cr Split of equity shares from Rs. 10 each to Rs. 2 each (w.e.f. 13/10/17) AUM crossed Rs. 20000 Cr in December 2019 11 more branches are added, including New Delhi Completed 25 years. 50th branch opened at NCR- Pitampura 1989 2012 2013 2016 2019 2021 ET Edge Promising Brand Award to Can Fin Homes Ltd. www.canfinhomes.com 2022 Successful completion of 35 Years 2025 AUM crossed Rs. 40,000 crore 2025
Page 4
www.canfinhomes.com 4 Reinforce Rebuild Reach Higher • Company will continue its thrust on growth, asset quality, profitability and liquidity. • Unwavering focus on good governance and due diligence • No deviation from the fundamental ethos of the company. • Utmost adherence to ethics, fair play, team-work and the pursuit of excellence. • As always, priority will be given for compliance, audit and risk factors. • Company intends to evolve further with the help of technology, duly keeping abreast with the changes in digitalization. • Seamless integration of new processes with the tried and tested ones for better, improved customer service. • Thrust on direct sourcing to enhance the Company’s loan portfolio. • Expansion of sourcing channels to attract different segments of borrowers, thus facilitating the Company’s upward trajectory. • Ensure that the products and services offered by the Company are environment friendly and in tune with the rationale of ecological conservation.
Page 5
II Our Strengths 1989 2019 www.canfinhomes.com • Consistent management support and guidance from the sponsor - Canara Bank. • Expertise gained over 38 years in housing finance. • Eminent personalities with rich experience on the Board • Quick, hassle free and customer friendly lending process. • Transparent and timely updation to stakeholders. • Risk based evaluation of borrowers on merit. • Single Window branch led loan process. • Consistent and stable liquidity position. • Steady, increased dividend - year after year.
Page 6
www.canfinhomes.com 6 Credit Rating Borrowings CARE ICRA IND Ra Term Loans (Long Term Loan) AAA/Stable AAA/Stable Term Loans (Short Term Loan) A1+ NHB Borrowings AAA/Stable Commercial Papers (CPs) A1+ A1+ Non-Convertible Debentures (NCDs) AAA/Stable AAA/Stable AAA/Stable Public Deposits AAA/Stable Position as on 31/12/2025 Rating upgrade for incremental NCD borrowing of Rs. 10,000 crore received during the quarter from IND Ra rating.
Page 7
www.canfinhomes.com 7 Shri K Satyanarayana Raju Chairman (Promoter) (upto 31/12/2025) Shri Suresh S Iyer Managing Director & CEO Board of Directors Smt Shubhalakshmi Aamod Panse Director (Independent) Shri Ajai Kumar Director (Independent) Shri Arvind Narayan Yennemadi Director (Independent) Shri Murali Ramaswami Director (Independent) Shri Vikram Saha Deputy Managing Director (w.e.f 29/04/2024) Shri Swarupananda Mallick Director (Independent) (w.e.f 21/08/2025) Shri Swarupananda Mallick Shri Hardeep Singh Ahluwalia (Non-Executive Director) (w.e.f. 06/08/2025)
Page 8
www.canfinhomes.com 8 Experienced Management Team Shri Nilesh Jain Company Secretary Total Exp: 23 Years Service in Can Fin – 2.5 Year Shri Prakash Shanbhogue President Total Exp: 32 Years Service in Can Fin – 32 Years Shri Abhishek Mishra Chief Financial Officer Total Exp: 22 Years Service in Can Fin – 6 month Shri A Narayanan Chief Information Officer Total Exp: 36 Years Service in Can Fin – 7 Month Shri Uthaya Kumar A President & Chief Risk Officer Total Exp: 31 Years Service in Can Fin – 31 years Shri Ratheesh Kumar P Head – RBIA Total Exp: 27 Years Service in Can Fin – 27 years Shri D R Prabhu Chief Compliance Officer Total Exp: 35 Years Service in Can Fin – 35 years Shri Prashanth Joishy Head – Products & Strategy Total Exp: 36 Years Service in Can Fin – 36 years Shri Madhu Kumar R Head – Credit Total Exp: 34 Years Service in Can Fin – 29 years
Page 9
www.canfinhomes.com 9Consistency in Performance over the years 86 157 235 287 297 374 456 470 621 750 857 0 100 200 300 400 500 600 700 800 900 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 PAT 0.17%0.19%0.21% 0.43% 0.62% 0.76% 0.91% 0.64% 0.55% 0.82%0.87% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90% 1.00% FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 GNPA 1.72% 2.49% 2.61%2.63% 2.16% 2.45% 2.78% 2.55% 2.31% 2.53%2.55% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 Spread (%) 8231 106431331315743183812070622105 26711 31563 34999 38217 0 5000 10000 15000 20000 25000 30000 35000 40000 45000 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 AUM Consistent Business Performance
Page 10
Roadmap - 2028 www.canfinhomes.com 78% 60% 60% 22% 40% 40% 0% 20% 40% 60% 80% 100% Mar-23 Dec-25 Mar-28 South North 89% 84% 80% 11% 16% 20% 0% 20% 40% 60% 80% 100% Mar-23 Dec-25 Mar-28 HL NHL 73% 68% 65% 27% 32% 35% 0% 20% 40% 60% 80% 100% Mar-23 Dec-25 Mar-28 Salaried SENP 86% 79% 60% 7% 20% 14% 14% 10% 10% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Mar-23 Dec-25 Mar-28 DSA Marketing Team Direct (Walkins) Digital Geographical Concentration (Incremental Disbursement) Product Mix (AUM) Segment Mix (AUM) Sourcing Mix (AUM) (Proj.) (Proj.) (Proj.) (Proj.)
Page 11
www.canfinhomes.com 11 Lead Generation Systems and Controls • Through Website, Customer Referral, Direct marketing and DSA channel. Due Diligence • CKYC-UIDAI linked verification; • Bank account verification through PERFIOS; • Field verification of residence, employment, property in each proposal; • Online PAN verification; • Online ITR verification; • Online CERSAI verification. Legal verification • Through empanelled Advocate, • Cross verification through State Govt. Land portal. Valuation • Through professional Valuers, validation of rates through market linked web sites. • Mobile based app for all valuers – Tie up with Valocity Sanction • Single Window – At branch level for loans upto delegated power of Branch Head. Central CPC/Zonal Office for loans beyond sanctioning powers of branch heads. Disbursement • Centralized Disbursement post verification of documents CRM • Review of all branch loan sanctions by central credit review monitoring team at Head Office
Page 12
www.canfinhomes.com 12 Systems and Controls Documentation • Pre-filled System Generated documents - ready for Execution. Storage of Loan Dockets • Centralised Document Storage. • Vetting of security documents with alternate empanelled advocates. Collection • Through E -NACH, Salary deduction. • Option for online Payment. • Tie up for cash collection from Branch. Monitoring Reconciliation • Data mining for EWS • Monthly OTMS reports • Zonal Risk Monitoring • Auto reconciliation module for Bank Reconciliation. Statutory Payments • Centralized statutory payments like TDS, GST, PT, ESI etc.. Vendor Payments • Centralized vendor payment
Page 13
www.canfinhomes.com 13 Digital Transformation Our digital focus areas: Providing personalized and seamless services to our customers across the country IT Transformation project progressing as per schedule. Expected implementation from Q4FY26. Creating a digital financial services bouquet in collaboration with some of the nation’s leading technological support providers Automation and digitization of processes to make things simpler, faster and user-friendly Building robust and secure digital capabilities across platforms to prevent frauds and ensure customer data protection
Page 14
www.canfinhomes.com 14 IT Transformation Status Supporting & Implementation Partners IBM PWC KPMG System Integrator Consulting Implementation Support Leading the technical integration of all systems and ensuring seamless interoperability across the IT ecosystem. Providing strategic guidance, business process optimization, and change management expertise throughout the transformation journey. Offering specialized implementation assistance, risk management, and compliance oversight to ensure successful deployment. Technical Solutions OEM Status Cloud Setup Amazon Web Services Implemented (Q2 FY26) Active Directory Setup Amazon Web Services & Microsoft Implemented (Q2 FY26) Mailing and Collaboration Microsoft Implemented (Q2 FY26) Software Defined Wide Area Network (SD-WAN) Fortinet Implemented (Q2 FY26) Network Operations Centre (NOC) MotaData Implemented (Q3 FY26) Security Operations Centre (SOC) DNIF Implemented (Q3 FY26) IT Service Management (ITSM) MotaData Implemented (Q3 FY26) Functional Applications OEM Status Risk Mgmt. & ALM M/s Knight FinTech Implemented (Q2 FY26) Treasury M/s Knight FinTech Implemented (Q2 FY26) Finance & Accounting (Sprint-1) M/s Infor (India) Implemented (Q2 FY26) Human Resource Management System (HRMS) M/s Workline Implemented (Q3 FY26) Aadhar Data Vault (ADV) M/s Trustt Implemented (Q3 FY26) Document Management System (DMS) M/s Newgen Implemented (Q3 FY26) Loan Origination System (LOS) M/s Pennant Technologies Planned Go-Live (Q4 FY26) Loan Management System (LMS) M/s Pennant Technologies Planned Go-Live (Q4 FY26) Finance & Accounting (Sprint-2) M/s Infor (India) Planned Go-Live (Q4 FY26) Deposits M/s Infrasoft Planned Go-Live (Q4 FY26) Reports M/s Shephertz Planned Go-Live (Q4 FY26)
Page 15
www.canfinhomes.com 15 Performance Highlights – Q3FY26 1. Loan Book reached Rs. 40693 Cr (+10 % YoY) with a clientele base of 2.89 lakh. 2. NII:Rs. 421 Cr, PBT: Rs. 341 Cr and PAT: Rs. 265 Cr. 3. NIM: 4.14 %, RoAA: 2.55 % 4. RoE: 18.80 %, EPS: Rs. 19.89 5. Cost to Income Ratio: 18.53 % 6. Debit Equity Ratio: 6.55 7. Gross NPA 0.92% & Net NPA 0.49%. (additional management overlay available). 8. The Salaried and Professional segment constitutes 68% of the outstanding loan book as on Dec 25. Housing forms 84% of the Loan Book including CRE. 9. Average ticket size of incremental housing and non- housing loans is Rs. 26 Lakh and Rs. 14 Lakh respectively.
Page 16
www.canfinhomes.com 16 Performance Highlights- Q3FY26 Sl. No. Particulars Year on Year and Sequential Dec’25 (3m) Dec’24 (3m) Sep’25 (3m) 1 New Approvals 2886 2075 2680 2 Disbursements 2727 1879 2545 3 Outstanding Loan Book 40693 37155 39657 4 Net Interest Income 421 345 404 5 Operating Profit 351 291 335 6 ECL Provision 10 22 3 7 Profit Before Tax 341 269 332 8 Profit After Tax 265 212 251 9 Gross NPA 373 341 373 10 Gross NPA Ratio (%) 0.92% 0.92% 0.94% 11 Net NPA* 199 187 191 12 Net NPA Ratio(%)* 0.49% 0.50% 0.48% * Amt in Crore *Excluding Management overlay
Page 17
www.canfinhomes.com 17 Key Financial Ratios- Q3FY26 Sl. No. Particulars PERIOD ENDED Dec’25(3m) Dec’24(3m) Sep’25(3m) 1 Return on Avg Assets (%) 2.55% 2.25% 2.46% 2 Return on Avg Equity (%) 18.80% 17.55% 18.41% 3 Earning Per Share (Rs.) 19.89 15.93 18.88 4 Net Interest Margin (%) 4.14% 3.73% 4.02% 5 Yield on Loan Portfolio (%) 10.07% 10.19% 10.08% 6 Cost of borrowing (%) 7.14% 7.51% 7.17% 7 Spread (%) 2.93% 2.68% 2.91% 8 Avg. Business Per Branch (Rs. Crore) 163 170 160 9 Avg. Business per Employee (Rs. Crore) 30 32 30 10 Cost to Income Ratio (%) 18.53% 16.92% 18.55% 11 Debit Equity Ratio 6.55 7.08 6.61
Page 18
www.canfinhomes.com 18 Performance Highlights- (9M) Sl. No. Particulars Year on Year (As per IND AS) Dec’25 (9m) Dec’24 (9m) Growth (%) 1 New Approvals 7625 6659 14% 2 Disbursements 7287 6112 19% 3 Outstanding Loan Book 40693 37155 10% 4 Net Interest Income 1214 1005 21% 5 Operating Profit 990 859 15% 6 ECL Provision 39 60 -35% 7 Profit Before Tax 951 798 19% 8 Profit After Tax 740 623 19% 9 Gross NPA 373 341 10 Gross NPA Ratio (%) 0.92% 0.92% 11 Net NPA 199 187 12 Net NPA Ratio (%) 0.49% 0.50% * Amt in Crore
Page 19
www.canfinhomes.com 19 Key Financial Ratios- (9M) Sl. No. Particulars PERIOD ENDED Dec’25(9m) Dec’24(9m) 1 Return on Avg Assets (%) 2.37% 2.21% 2 Return on Avg Equity (%) 17.52% 17.19% 3 Earning Per Share (Rs.) 55.58 46.81 4 Net Interest Margin (%) 3.89% 3.64% 5 Yield on Loan Portfolio (%) 10.08% 10.14% 6 Cost of borrowing (%) 7.24% 7.54% 7 Spread (%) 2.84% 2.60% 8 Avg. Business Per Branch (Rs. Crore) 163 170 9 Avg. Business per Employee (Rs. Crore) 30 32 10 Cost to Income Ratio (%) 18.48 16.32 11 Debit Equity Ratio 6.55 7.08
Page 20
www.canfinhomes.com 20 Segment wise AUM 14% 54% 1% 30% 1% AUM Q3 FY 26 Sal - Govt Sal - Private Sal - PSU/Banks SENP Prof 13% 56% 1% 29% 1% AUM Q3FY 25 Sal - Govt Sal - Private Sal - PSU/Banks SENP Prof
Page 21
www.canfinhomes.com 21 Product wise AUM 73% 11% 8% 2% 6% AUM Q3FY26 Housing Housing CRE Lap and Mort Top UP Others 77% 10% 6% 2% 5% AUM Q3FY25 Housing Housing CRE Lap and Mort Top UP Others
Page 22
www.canfinhomes.com 22 Purpose wise AUM *Others include Site loan, Loan against rent receivables, Loans for commercial property, Loans for children education, Personal loans, Commercial housing loans, I=secure loan 60% 6% 5% 2% 10% 17% Construction Flat Resale Rennov Mort+LAP+Top UP Others AUM Q3FY26 63% 8% 4% 2% 8% 15% Construction Flat Resale Rennov Mort+LAP+Top UP Others AUM Q3FY25
Page 23
www.canfinhomes.com 23 Loan Amount Wise Disbursement and AUM Disbursement (9 Months) AUM 12% 22% 28% 38% 9% 21% 26% 44% 0 - 10L 10 - 20L 20 - 30L >30L 9M FY25 9M FY26 13% 31% 28% 28% 12% 29% 28% 31% 0 - 10L 10 - 20L 20 - 30L >30L Dec-24 Dec-25
Page 24
www.canfinhomes.com 24 Channel Sourcing Mix Diversified Sourcing no concentration FY23 FY24 FY25 Q1FY26 Q2FY26 Q3FY26 Active DSA's 1463 1184 1245 1250 1638 1902 Total Disbursement (Crores) 8947 8117 8568 2015 2545 2727 Total DSA Sourced Amount(Crores) 7302 6669 6832 1599 2010 2177 % share of total business 82% 82% 80% 79% 79% 80% Share of Top 20 DSA's Amount(Crores) 1011 844 878 171 208 216 % share of total business 11% 10% 10% 8% 8% 8% Amt in Crore
Page 25
www.canfinhomes.com 25 Disbursement Region Wise 12% 11% 8% 69% FY 24 North West East South 14% 13% 8%65% FY 25 North West East South 16% 15% 9% 60% FY 26 (9M) North West East South
Page 26
www.canfinhomes.com 26 Run Down Ratios Opening Balance(A) Disbursement (B) Amortization+ Prepayment (C) Closing Balance (D=A+B-C) Run Down E= C/A Q4 FY 22 25091 2730 1110 26711 4.50% Q1 FY 23 26711 1726 899 27538 3.53% Q2 FY 23 27538 2275 990 28823 3.69% Q3 FY 23 28823 2408 1116 30115 4.05% Q4 FY 23 30115 2538 1090 31563 3.68% Q1 FY 24 31563 1966 1024 32505 3.31% Q2 FY 24 32505 2019 1165 33359 3.64% Q3 FY 24 33359 1879 1185 34053 3.61% Q4 FY 24 34053 2313 1367 34999 4.01% Q1 FY 25 34999 1853 1295 35557 3.64% Q2 FY 25 35557 2381 1347 36591 3.79% Q3 FY 25 36591 1879 1315 37155 3.59% Q4 FY 25 37155 2455 1393 38217 3.74% Q1 FY 26 38217 2015 1459 38773 3.81% Q2 FY 26 38773 2545 1661 39657 4.28% Q3 FY 26 39657 2727 1691 40693 4.26% * Amt in Crore
Page 27
www.canfinhomes.com 27 Lending Basket CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Sl. No. Particulars Dec - 24 Mar - 25 Jun - 25 Sep - 25 Dec - 25 0/s Amt 0/s Amt 0/s Amt 0/s Amt 0/s Amt 1 Salaried & Professionals i) Housing Loans 23950 24372 24619 24803 25049 ii) Top-up Personal Loans 1155 1204 1232 1261 1294 iii) Mortgage Loans/ Flexilap 996 1075 1140 1239 1362 iv) Loans for Sites 214 218 220 233 244 v) Others 44 47 50 50 53 Sub Total 26359 26916 27261 27586 28002 (As a % to total) 71% 71% 70% 70% 69% 2 Non Salaried Class- Self Employed & Non Professionals i) Housing Loans 8843 9184 9293 9655 10044 ii) Top-up Personal Loans 567 602 620 651 686 iii) Mortgage Loans/Flexi Lap 1203 1315 1385 1524 1689 iv) Loans for Sites 109 115 123 143 168 v) Others 49 57 63 67 71 Sub Total 10771 11273 11484 12040 12658 (As a % to total) 29% 29% 30% 30% 31% 3 Builder Loans (As a % to total) 4 Staff Loans 25 28 28 31 33 Grand Total 37155 38217 38773 39657 40693 * Amt in Crore
Page 28
www.canfinhomes.com 28 Funding Basket Funding Mix @ Dec 2024 (as %) Funding Mix @ Dec 2025 (as %) Banks 62% NHB 15% NCD 19% CP 3% Deposits 1% Total Borrowings – Rs. 36915 Crore • During the quarter deposit base increased and has crossed Rs. 200 crores. Banks 56% NHB 18% NCD 19% CP 6% Deposits 1% Total Borrowings – Rs. 33454 Crore
Page 29
www.canfinhomes.com 29 Yield, Cost, NIM and Spread(As at the end of each quarter) 7.54% 7.56% 7.47% 7.29% 7.26% 10.14% 10.10% 10.09% 10.09% 10.08% Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 2.68% 2.55% 2.62% 2.79% 2.82% 3.73% 3.82% 3.64% 3.83% 3.89% Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26
Page 30
www.canfinhomes.com 30 Total Provisions held Asset Classification ECL Stages Balance as on 31 Dec 2025 Provision as per IRAC Provision as per ECL Model Standard Asset 1 37075 161 216 SMA 0 1 1214 SMA 1 2 1131 SMA 2 2 900 NPA 3 373 175 184 Total Portfolio 40693 400 Undisbursed Loan Commitment 1342 6 Management Overlay 59 59 Provision for Restructured accounts 40 40 Total Provision 505 * Amt in Crore The SMA/NPA Classification is based on the due date which falls on the last day of the calendar month
Page 31
www.canfinhomes.com 31 Movement of Delinquency Pool (SMA 0 + SMA 1+ SMA 2 + NPA) 10.34% 11.49% 13.15% 11.16% 10.26% 9.58% 8.89% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Gr% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Total Delinquency 3675.53 4204.1 4886.04 4265.98 3979.09 3802.72 3618.98 Outstanding 35559 36591 37155 38217 38773 39657 40694 * Amt in Crore
Page 32
www.canfinhomes.com 32 NPA and Provision Gross NPA & Net NPA (%) Provision held 154 159 171 182 184 34 59 59 59 59 Q3 FY 24- 25 Q4 FY 24- 25 Q1 FY 25- 26 Q2 FY 25- 26 Q3 FY 25- 26 Provision for NPA Management Overlay 0.50 0.47 0.54 0.48 0.49 0.92 0.87 0.98 0.94 0.92 Q3 FY 24-25 Q4 FY 24-25 Q1 FY 25-26 Q2 FY 25-26 Q3 FY 25-26 * Amt in Crore
Page 33
www.canfinhomes.com 33 PCR with Management Overlay Q3FY25 As % of GNPA Q3FY26 As % of GNPA Gross NPA 341 373 A. ECL Provision (Stage 3) 154 45% 184 49% B. Management Overlay 34 59 Total Provision available (A+B) 188 55% 243 65% C. Prov for Restructured Pool 48 40 Total Provision available (A+B+C) 236 69% 283 76% D. Provision for Std Asset and Undisbursed loan commitment 215 222 Total Provision (A+B+C+D) 451 505 Note: Provision for restructured pool has reduced on account of closure of restructured loans * Amt in Crore
Page 34
www.canfinhomes.com 34 Shareholding Pattern 29.99 19.9120.32 12.52 10.85 6.41 Promoter Mutual Funds Individual Foreign Corporate Bodies Bodies Corporate Others SI No. Category shareholding as % 1 Promoter 29.99 2 Individual 19.16 2 Mutual Funds 21.50 4 Foreign Corporate Bodies 13.24 5 Bodies Corporate 10.53 6 Others 5.58 7 Grand Total 100.00 As on 31.12.2025
Page 35
www.canfinhomes.com 35 ESG The Company has undertaken several sustainability initiatives to strengthen its commitment to environmental responsibility. Some of the key efforts include: • Launched the Rooftop Solar Loan Scheme, aimed at empowering customers by offering financial support for the purchase and installation of rooftop solar photovoltaic (PV) systems ranging from 3 KW to 10 KW. • All offices have successfully switched to LED lighting, significantly cutting electricity usage while fostering sustainable practices. Additionally, the Company's Registered Office and 16 branches now operate with solar-backed UPS systems, further reinforcing eco- friendly initiatives. • Company is actively minimizing single-use plastic consumption across all offices and branches. Initiatives include eliminating plastic bottles and straws for beverages while encouraging the adoption of eco- friendly alternatives. • A rainwater harvesting system has been installed at the Corporate Office Building, supporting sustainable water management efforts. Additionally, water-efficient taps have been implemented to reduce water wastage. • Company has successfully recycled 0.40 tons paper of e-waste and 1.2 tons of paper waste, demonstrating its dedication to responsible resource management and minimizing environmental impact. Environment Social Cyber Security & Data Privacy The Company has established a comprehensive Data Privacy and Cyber Security Policy to protect sensitive information and maintain operational resilience. Employees undergo regular security awareness training to enhance vigilance and preparedness. Customer privacy is rigorously safeguarded in accordance with the Digital Personal Data Protection Act. The Company continues to advance gender diversity within its workforce. Compared to the previous year, the recruitment of female employees has increased by an 8.92%, reinforcing its commitment to fostering an inclusive workplace culture that values equal opportunities. Company offer life insurance, Insurance for parents, medical insurance, accident insurance, and paternity leave. The Company has successfully delivered approximately 30,000 hours of training, covering a diverse range of topics—including POSH (Prevention of Sexual Harassment), Compliance, HR Practices, Business Responsibility and Sustainability Reporting (BRSR), ESG Concepts, Preventive Vigilance, Risk Management, CERSAI, Credit Management, Recovery Strategies, and SARFAESI. This extensive training initiative has reached around 94% of our total staff. Company ensures all employees actively participate in fire drill demonstrations. This mandatory initiative equips staff with essential fire safety protocols, reinforcing workplace security and preparedness in emergency situations. Governance Company has started uploading transcripts of every investor call on our website. This initiative is aimed at ensuring our shareholders stay well-informed and reflects our commitment to open and effective communication.
Page 36
www.canfinhomes.com 36 Sustainability Initiatives under CSR Ecological Restoration and Water Conservation in Khyarsi Village, Jaunpur Block, Tehri Garhwal District, Uttarakhand Khyarsi Village is situated 41 km west of Tehri's district headquarters, 25 km from the state capital Dehradun, and 40 km from the Haridwar branch. With a total population of 893, the village faces ecological challenges due to barren land conditions and limited water availability. To rejuvenate the barren mountain landscape of Khyarsi Village through the plantation of 2,500 trees over a 6.5-acre land and construct a rainwater harvesting pond with a capacity of 1,100,000 liters, ensuring sustainable water conservation and environmental benefits for the local community. Revival of Meenatchi Kulam Pond, Sivagangai District, Tamil Nadu Meenatchi Kulam Pond is situated in Nainar Vayal Kottur, Thirumanavayal Panchayat, Devakkottai Taluk, Sivagangai District, Tamil Nadu. Once a vital local water body, the pond played a crucial role in sustaining the surrounding ecosystem and community. However, over the past decade, it has gradually dried up due to inadequate maintenance. Revitalizing Meenatchi Kulam Pond was essential for ecological balance and local water security. By desilting, clearing debris, and removing invasive plants, the pond was restored to its former capacity, ensuring sustainable water management and benefiting the surrounding community. Total Area: 3 acres Water Storage Capacity: 5 crore liters As part of our commitment to corporate social responsibility and sustainability, we have provided solar street lights, Solar rooftop panel, Solar tower light etc in multiple locations. This initiative aims to enhance safety, promote renewable energy usage, and support community development.
Page 37
www.canfinhomes.com 37 Branch Network (249 BRANCH OFFICES) • Punjab – Jalandhar, Ludhiana, Mohali, Bathinda, Patiala • Chandigarh • Rajasthan – Alwar, Jaipur, Mansarovar, Kota, Udaipur, Ajmer, Jodhpur, Jhotwara, Jagatpura, Bhilwara, sikar, Pali, Bikaner, Jhalawar, Kotputli, Chomu, Beawar, Ajmer Road, Rajsamand, Sanganer • Gujarat – Ahmedabad (2), Vadodara, Surat, Rajkot, Jamnagar, Bhavnagar, Mehsana • MP – Bhopal, Gwalior, Indore, Mandideep, Jobalpur, Pithampur, Sagar, Rewa, Ujjain, Ratlam, Indore Airport Road • Chhattisgarh – Raipur, Bilaspur, Bhilai • Maharashtra – Kolhapur, Navi Mumbai, Mumbai, Nagpur, Panvel, Kalyan, Pune, Nashik, Boisar, Chakan, Hinjewadi, Aurangabad, Solapur, Hadapsar, Jalgaon, Nanded • Karnataka – Bengaluru (31 branches), Belgaum, Davanagere, Hubli, Mysore, Mangalore, Mandya, Shimoga, Tumkur, Hassan, Ballari, Hoskote, Kalaburagi, • Kerala – Calicut, Kochi, Thiruvananthapuram, Thrissur • Odisha – Bhubaneshwar , Berhampur, Jharsuguda, Cuttack • Bihar – Patna, Darbhanga • Tamilnadu – Hosur, Chennai (9 branches), Madurai, Namakkal, Trichy(2), Coimbatore(2), Salem, Erode, Vellore, Thiruchengode, Dindigul(2), Karur(2), Virudhunagar, Tirunelveli, CBE-P N Palyam, Tirupur(2), Kumbakonam, Thoothkudi, Gobichettipalayam, Thirumangalam, Batlagundu, Theni, Thanjavur, Pollachi, Tenkasi, Karikudi, Mayiladuthurai, Rajapalayam, Cuddalore, Rajapalyam, Kanchipuram, Perambalur, Thiruvanamalai, Krishnagiri • Goa, • Pondicherry • West Bengal – Durgapur • Uttar Pradesh – Lucknow, Meerut, Noida (2), Greater Noida, Agra, Varanasi, Allahabad, Kanpur, Ghaziabad, Jhansi, Hapur, Saharanpur, Mathura, Muradnagar, Moradabad, Bulandshahr, Bareilly, Gorakhpur, Aligarh, Barabanki, Ayodhya, • Uttarakhand – Dehradun, Haridwar, Rudrapur • Telangana – Hyderabad (13 branches), Siddipet, Warangal, Karimnagar, Khammam, Mancherial, Nizamabad • Delhi – Nehru Place, Pitampura, Dwaraka • Haryana – Gurgaon (2), Manesar, Sonepat, Faridabad, Dharuhera, Rewari, Karnal, Ambala, Rohtak, Palwal, Hisar, Panipat • Andhra Pradesh – Bhimavaram, Kadapa, Nellore, Ongole, Tirupathi, Guntur, Kakinada, Vizag, Vijaywada, Vizag – Steel Plant, Rajahmundry, Kumool, Vizianagaram, Gollapudi, Tenali, Eluru, Mangalagiri, Srikakulam, Ananthpur, Pendurthi, Amalapuram, Chittoor, Bobbilli
Page 38
www.canfinhomes.com 38 The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and initiatives, technological changes, political, economic, regulatory and social conditions in India etc. that may cause the actual results, performance and achievements of CFHL to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements or other projections. THANK YOU