Can Fin Homes LimitedQ2 FY27 Results & Financial Update
Can Fin Homes Limited: Q2 FY27 standalone results and company financials – revenue ₹1,131.18 Cr, PAT ₹274.61 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
Quarter at a glanceReported figures and period changes.Changes compare like-for-like reported periods where available.
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Quarterly Results AnalysisExplore Can Fin Homes Q2 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Can Fin Homes reported total income of Rs 1,131.18 crore for the second quarter of FY27, advancing 7.79% year-on-year from Rs 1,049.45 crore and 3.20% sequentially from Rs 1,096.33 crore.
Net profit after tax for Q2 FY27 reached Rs 274.61 crore, marking a 9.22% increase compared to Rs 251.43 crore in the corresponding period of the previous year and a 2.54% rise over Rs 267.82 crore in the preceding quarter.
Earnings per share for the quarter stood at Rs 20.62 on an unannualised basis, compared to Rs 18.88 in the year-ago quarter and Rs 20.11 in the previous quarter.
Finance costs increased to Rs 690.16 crore during the quarter, compared to Rs 638.58 crore in the same period last year and Rs 659.46 crore in the preceding quarter.
Profit before tax stood at Rs 347.22 crore, registering a year-on-year growth of 4.72% from Rs 331.58 crore and a sequential increase of 2.57% from Rs 338.51 crore.
Tax expenses for the quarter were recorded at Rs 72.61 crore, reflecting a decrease from Rs 80.15 crore in the corresponding quarter of the previous year.
01 · Business model
What does Can Fin Homes do?
Can Fin Homes Limited is a housing finance institution sponsored by Canara Bank, providing retail mortgage products primarily focused on housing loans alongside non-housing loan offerings.
The company generates its primary revenue from interest income on loan assets extended to retail borrowers across multiple states and union territories in India.
Its operational footprint spans 274 branches and offices across 21 states and union territories, serving individual homeowners and borrowers.
02 · Historical context
What shaped the business before this quarter
Since its establishment, Can Fin Homes has operated as a housing finance company sponsored by Canara Bank, focusing predominantly on retail housing loans.
Previously, the company initiated its enterprise digital transformation project named Tejas, which reached full deployment across branches during the current half-year.
03 · Financial snapshot
Current quarter vs the two useful baselines
| Metric | Q2 FY27 | Year-ago | Previous quarter |
|---|---|---|---|
| Total income | ₹1,131.18 Cr | ₹1,049.45 Cr | ₹1,096.33 Cr |
| Profit before tax | ₹347.22 Cr | ₹331.58 Cr | ₹338.51 Cr |
| Profit after tax | ₹274.61 Cr | ₹251.43 Cr | ₹267.82 Cr |
| EPS | ₹20.62 | ₹18.88 | ₹20.11 |
04 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Interest income from operations reached Rs 1,121.66 crore for the quarter ended September 30, 2026.
Fees and commission income contributed Rs 9.12 crore to the quarterly performance.
NIM, spread, funding cost and credit cost
Finance costs grew to Rs 690.16 crore for Q2 FY27, reflecting ongoing funding expenses across borrowings and debt securities.
Employee benefit expenses stood at Rs 49.09 crore, while other expenses were recorded at Rs 25.66 crore for the quarter.
05 · Loan growth, sanctions & disbursements
How the lending book is moving
Total loan assets stood at Rs 43,539 crore as of September 30, 2026, marking a 10% growth year-on-year from Rs 39,657 crore.
Loan disbursements for the half year ended September 30, 2026, reached Rs 4,982 crore, representing a 9% year-on-year increase.
06 · Portfolio mix & lending exposure
Where the loan book is concentrated
Segments and products
Housing loans (including commercial real estate) constitute 83% of the total loan book, while non-housing loans account for 17%.
07 · Asset quality & capital strength
How credit quality and balance-sheet capacity changed
Capital adequacy, net worth and balance-sheet capacity
The Capital Risk Adequacy Ratio (CRAR) stood at 23.34% as of September 30, 2026.
08 · Strategy & portfolio evolution
How the lending mix and strategic agenda are changing
The company successfully rolled out all functional applications, technical solutions, and security services under Project Tejas, its enterprise digital transformation program.
09 · Reported developments
What changed operationally
Gross non-performing assets ratio stood at 0.90% and net non-performing assets ratio at 0.43%, with a provision coverage ratio of 52.82%.
10 · Items worth noticing
The line items that can distort a quick read
Provisions for expected credit loss and write-offs were recorded at Rs 73.86 crore for the quarter.
11 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
Debt securities outstanding stood at Rs 8,097.11 crore, and other borrowings totalled Rs 30,742.01 crore as of September 30, 2026.
12 · Beyond the numbers
What changed beyond the numbers
Reported update
Credit Ratings
The company's fixed deposit programme is rated AAA with a stable outlook by ICRA, and short-term commercial papers carry A1+ ratings from CARE and ICRA.
13 · Previous-quarter changes
What changed since the previous quarter
Total income moved from Rs 1,096.33 crore in Q1 FY27 to Rs 1,131.18 crore in Q2 FY27.
14 · Key Q&A
The quarter, answered directly
What does Can Fin Homes do?
Can Fin Homes Limited is a housing finance institution sponsored by Canara Bank, providing retail mortgage products primarily focused on housing loans alongside non-housing loan offerings.
What is the clearest takeaway from Q2 FY27?
Can Fin Homes reported total income of Rs 1,131.18 crore for the second quarter of FY27, advancing 7.79% year-on-year from Rs 1,049.45 crore and 3.20% sequentially from Rs 1,096.33 crore.
What drove earnings or loan-book movement?
Interest income from operations reached Rs 1,121.66 crore for the quarter ended September 30, 2026.
What mattered most for margins, funding or credit cost?
Finance costs grew to Rs 690.16 crore for Q2 FY27, reflecting ongoing funding expenses across borrowings and debt securities.
What changed operationally beyond the headline numbers?
The Capital Risk Adequacy Ratio (CRAR) stood at 23.34% as of September 30, 2026.
What should the next disclosure help confirm?
Loan portfolio growth trajectory toward the 10% year-on-year expansion rate
15 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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16 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Loan portfolio growth trajectory toward the 10% year-on-year expansion rate
- 02
Asset quality metrics including GNPA and NNPA ratios
- 03
Post-implementation stability of the Project Tejas enterprise resource planning and loan origination systems
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Use Nivata’s plain-English guides to understand the accounting terms used in this brief before interpreting them.