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Net interest income for the period under review was Rs 421 crore, up 22% YoY.
Accordingly, operating profit for Q3 FY26 was Rs 351 crore, higher by 21% as compared with the figure of Rs 291 crore registered in Q3 FY25.
The expected credit loss (ECL) provision for the December 2025 quarter was Rs 10 crore as against Rs 22 crore in the same period last year.
Can Fin Homes said that as per the requirement of Ind AS 109, provision on advances are to be carried in the books of account on the basis of ECL. Accordingly, the company is required to carry provisions of Rs 400 crores towards expected credit losses.
CFHL is carrying total provision of Rs. 505 crore, including Rs 59 crore as management overlay and Rs 40 crore under provision for restructured accounts.
Profit before tax stood at Rs 341 crore in Q3 FY26, up by 27% from Rs 269 crore recorded in Q3 FY25.
While Gross NPA ratio remained unchanged at 0.92%, nross NPA ratio fell by 1 basis point to 0.49% as on 31 December 2025.
Loan disbursements for the three months ended 31 December 2025, stood at Rs 2,727 crore compared to Rs 1,879 crore in the corresponding previous period, reflecting a YoY growth of 45%.
The loan portfolio as at December 2025 was Rs 40,683 crore as against Rs 37,155 crore as at December 2024, recording an increase of 10%. Housing loans constituted 73% of the loan book and non-housing loans (including CRE) constituted remaining 27%.
Can Fin Homes is the first bank-sponsored housing finance company in India with Canara Bank holding a stake of 29.99% as on 31 December 2025. The company is engaged in providing housing finance to individuals for construction, purchase, repair and upgradation of houses.
Can Fin Homes Ltd, Tejas Networks Ltd, Linde India Ltd, Chalet Hotels Ltd are among the other stocks to see a surge in volumes on BSE today, 12 January 2026.
Metropolis Healthcare Ltd recorded volume of 1.16 lakh shares by 10:46 IST on BSE, a 36.96 times surge over two-week average daily volume of 3127 shares. The stock lost 2.40% to Rs.1,878.55. Volumes stood at 1635 shares in the last session.
Can Fin Homes Ltd recorded volume of 2.02 lakh shares by 10:46 IST on BSE, a 17.64 times surge over two-week average daily volume of 11451 shares. The stock lost 1.17% to Rs.879.25. Volumes stood at 13022 shares in the last session.
Tejas Networks Ltd clocked volume of 8.25 lakh shares by 10:46 IST on BSE, a 13.5 times surge over two-week average daily volume of 61091 shares. The stock lost 11.20% to Rs.370.05. Volumes stood at 2.57 lakh shares in the last session.
Linde India Ltd saw volume of 7313 shares by 10:46 IST on BSE, a 8.85 fold spurt over two-week average daily volume of 826 shares. The stock increased 4.48% to Rs.6,175.00. Volumes stood at 1283 shares in the last session.
Chalet Hotels Ltd recorded volume of 3.02 lakh shares by 10:46 IST on BSE, a 8.37 times surge over two-week average daily volume of 36095 shares. The stock lost 1.72% to Rs.857.55. Volumes stood at 1.03 lakh shares in the last session.
The agency has also reaffirmed the short-term rating at ‘CARE A1+’.
CARE Ratings stated that the reaffirmation continues to factor CFHL’s strong parentage, with Canara Bank as the primary shareholder holding 29.99% as on 30 September 2025.
The parent provides board level oversight, strategic guidance and shared brand franchise. Despite its modest shareholding, Canara Bank considers CFHL a strategically important entity and has reiterated its commitment to provide support while maintaining its equity stake.
Supported by its parentage and track record, CFHL enjoys strong financial flexibility, enabling it to raise funds from diversified sources at competitive rates.
The ratings also reflect CFHL’s relatively low-risk loan portfolio, with a dominant share of salaried borrowers, its continued healthy financial performance, stable profitability, strong asset quality, and adequate capitalisation levels.
These strengths outweigh credit challenges arising from high leverage, regional concentration and competitive housing finance segment.
While there no positive rating factors, there are certain elements that could lead to a negative rating action. These include weakening credit profile of Canara Bank; change in Canara Bank’s philosophy towards CFHL or announcement of stake sale; increase in gearing (total debt/net-worth) beyond 8x levels; and weakening asset quality with gross stressed assets of above 5% on a sustained basis.
Can Fin Homes is the first bank-sponsored housing finance company in India with Canara Bank holding a stake of 29.99% as on 30 September 2025. The company is engaged in providing housing finance to individuals for construction, purchase, repair and upgradation of houses. The company operates mainly in southern India with 56% of total branches in south India, with 68% total advances from southern states.
The scrip fell 2.64% to currently trade at Rs 882.60 on the BSE.
Supported by its parentage and track record, CFHL enjoys strong financial flexibility, enabling it to raise funds from diversified sources at competitive rates. Ratings also reflect CFHL's relatively low-risk loan portfolio, with a dominant share of salaried borrowers, its continued healthy financial performance, stable profitability, strong asset quality, and adequate capitalisation levels. These strengths outweigh credit challenges arising from high leverage, regional concentration and competitive housing finance segment.