Can Fin Homes Q2 profit rises 9% to ₹275 crore; interest earned after borrowing costs up 7%
Can Fin Homes reported a standalone net profit of ₹274.61 crore for July to September 2026, up 9.2% from ₹251.43 crore a year earlier. Net interest income, worked out by this site from the filed statement, rose about 6.7%.
Can Fin Homes Limited, a housing finance company that lends money for buying and building homes, reported a net profit of ₹274.61 crore for the quarter ended 30 September 2026, up 9.2% from ₹251.43 crore in the same quarter a year earlier. Net interest income, which this site works out as interest income minus finance costs (the interest the company pays on its own borrowings) because the statement does not print it, rose about 6.7% to ₹431.49 crore. The company filed the results with the stock exchanges on 9 October 2026.
Key terms
- Net profit is the profit left after all expenses and tax. It is the “Net Profit after Tax” line of the filed statement.
- Net interest income (NII) is interest income minus finance costs (the interest the company pays on money it borrows). It is not printed in the statement, so it is worked out here from two lines that are.
- YoY means year on year: compared with the same quarter one year earlier, here Q2 FY26 (July to September 2025). Q2 FY27 is the second quarter of the financial year April 2026 to March 2027.
- Standalone means the company’s own accounts only. The filing says Can Fin Homes has no subsidiary, associate or joint venture, so no consolidated figures exist.
- Gross NPA is the share of loans on which borrowers have stopped paying on time (a non-performing asset, or NPA). Net NPA is the same share after subtracting the money the company has set aside against those loans.
Q2 FY27 results
All figures below are standalone and unaudited (reviewed by the auditors, not fully audited). Amounts are in ₹ crore; the filing reports in ₹ lakh, and 100 lakh = 1 crore.
| Metric | Q2 FY27 | Q2 FY26 | Change YoY |
|---|---|---|---|
| Interest income | 1,121.66 | 1,043.17 | +7.5% |
| Total income from operations | 1,131.18 | 1,049.45 | +7.8% |
| Finance costs | 690.16 | 638.58 | +8.1% |
| Net interest income (interest income less finance costs) | 431.49 | 404.59 | +6.7% |
| Profit before tax | 347.22 | 331.58 | +4.7% |
| Tax expense | 72.61 | 80.15 | -9.4% |
| Net profit after tax | 274.61 | 251.43 | +9.2% |
| Earnings per share (₹, not annualised) | 20.62 | 18.88 | +9.2% |
Profit before tax rose less than net profit because the tax expense was lower than a year earlier. Provisions for expected credit loss and write-offs (money set aside for loans that may not be repaid, plus loans written off) were ₹7.39 crore, against ₹3.07 crore in Q2 FY26.
Compared with the previous quarter
Against Q1 FY27 (April to June 2026), net profit rose 2.5% from ₹267.82 crore, and net interest income rose from ₹427.57 crore to ₹431.49 crore, about 0.9%.
First half (April to September)
| Metric | H1 FY27 | H1 FY26 | Change YoY |
|---|---|---|---|
| Total income from operations | 2,227.51 | 2,069.86 | +7.6% |
| Net profit after tax | 542.43 | 475.30 | +14.1% |
Asset quality and capital, as of 30 September 2026
In its disclosure under SEBI’s listing rules, the company reported gross NPA of 0.90%, net NPA of 0.43%, a provision coverage ratio of 52.82% (the share of bad-loan amounts covered by set-aside money), and a capital risk adequacy ratio of 23.34% (the company’s capital as a share of its risk-weighted assets, the measure regulators use to check a lender’s cushion). The debt-to-equity ratio was 6.09.
A note in the filing
Note 15 to the results says the half-year figures are based on data from a newly migrated ERP system (the company’s accounting software), and that reconciliation and audit of that data are still ongoing.
Basis of these figures
The primary source was opened: the company’s 9 October 2026 filing to NSE and BSE, containing the statement of unaudited standalone financial results for the quarter and half year ended 30 September 2026 and the Regulation 52(4) disclosure. The figures are standalone. The comparison is year on year against the quarter ended 30 September 2025 as printed in the same statement. Net interest income is computed by this site from the statement lines named above; percentage changes are our arithmetic on the exact ₹ lakh figures, rounded to one decimal place (so net interest income, ₹43,149.45 lakh against ₹40,458.65 lakh, is +6.65%, shown as 6.7%). A Kotak Neo report of 9 October 2026 was used only to cross-check net profit and income figures, which matched.