Home First Finance Company India Limited is a tech-driven affordable housing finance firm, catering primarily to low and middle-income first-time home buyers.

The company achieved a Profit After Tax of INR 132 crore, up 43% YoY, maintaining robust ROE of 13.4% and an impressive ROA of 3.8%, highlighting significant profitability improvements.

Branch and network expansion continues as a key priority, with a notable increase to 163 branches across 13 states, aiming to capture larger market share in the affordable housing sector.

Digital initiatives are central to Home First's operations, achieving 83% loan approvals via the account aggregator framework and 96% customer registration on their mobile app, reflecting high digital adoption.

Current risk management strategies maintain asset quality; however, rising tariffs have impacted certain areas, causing upticks in DPD figures, especially in select South Indian regions.