Home First Finance Company India Limited stands as a prominent player in India's affordable housing finance sector, specifically designed to serve the underserved segments of the market. The company is a technology-driven provider of affordable housing finance, catering to first-time homebuyers from low- and middle-income segments. Headquartered in Mumbai, the housing finance company aims at buyers under the low and middle-income groups.
Home First Finance Company India Limited was incorporated as a private limited company with the name `Home First Finance Company India Private Limited' at Bengaluru Karnataka on February 3, 2010. Founded in 2010, this company is listed on the Bombay Stock Exchange (BSE), having the code 543259 and on the National Stock Exchange (NSE) with the symbol HOMEFIRST in February 2021. The company debuted in the stock market in January 2021, with an IPO of INR 517-518 per equity share.
The company's core business model focuses on providing comprehensive housing finance solutions to customers who traditionally find it challenging to access formal credit. It primarily serves families earning less than ₹50,000 monthly, offering housing loans for home purchases and construction. The Company offers various loans, including home loan, self-construction loan, resale loan, mortgage loan, shop loan, renovation loan, and top-up loan.
Home First Finance has established a strong geographical footprint across India's key markets. The company holds a strong network of 70 branches covering 60 districts over 11 states with a significant presence in Gujarat, Tamil Nadu, Maharashtra, and Karnataka as of September 30, 2020. It has a network of approximately 155 branches with a presence in 13 states/union territories in India, namely, Maharashtra, Gujarat, Tamil Nadu, Karnataka, Andhra Pradesh, and Telangana.
The company has positioned itself as a technology-forward organization in the housing finance space. The company's current focus is on leveraging technology benefits in the area of risk management, loan applications, and managing customer experience. Its digital channels facilitate omnichannel engagement, enabling customers to interact across Web portals, mobile apps, and social media platforms. Its applications include HomeFirst Customer Portal App, HomeFirst Connect, and HomeFirst RM Pro.
As of July 2025, Home First Finance Company India Ltd has a market capitalization of ₹14,025 Crore. The company has demonstrated consistent growth in its financial performance. Revenue: ₹1,539 Crore. Profit: ₹382 Crore. Recent quarterly performance shows positive momentum, with The company's standalone net profit jumped 23.5% to ₹97.38 Crore in Q3 FY25 as against ₹78.82 Crore posted in Q3 FY24. Revenue from operations rose 35.4% to ₹407.45 Crore as against ₹301.01 Crore posted in the corresponding quarter last year.
Key financial ratios as of recent reporting:
- Stock P/E: 36.6
- Book Value: ₹280
- Dividend Yield: 0.27%
- ROCE: 11.4%
- ROE: 16.5%
The stock has shown resilient performance across various time frames. The Home First Finance Company India Ltd's 52-week high share price is ₹1,508.30 and 52-week low share price is ₹838.65. Last 1 Month: Home First Finance Company India Ltd share price moved up by 6.00% on BSE. Last 3 Months: Home First Finance Company India Ltd share price moved up by 32.48% on BSE. Last 12 Months: Home First Finance Company India Ltd share price moved up by 20.85% on BSE.
The company has been actively strengthening its corporate governance framework. Appointment of Mr. Sriram Hariharan as Independent Director for five years from June 26, 2025. Home First Finance Company India has fixed May 30, 2025, as the record date for the purpose of determining the eligibility of the equity shareholders for a final dividend of ₹3.70 per share for FY 2025.
The company has been proactive in engaging with the investment community. Home First Finance held analyst meeting; investor presentation available since May 1, 2025. Home First received ESG ratings from SES ESG and CRISIL on June 30 and July 1, 2025.
Home First Finance Company India Limited continues to capitalize on India's growing affordable housing finance market, leveraging its technology-driven approach and deep understanding of the target customer segment. The company's focus on serving the underserved population, combined with its expanding geographic presence and digital capabilities, positions it well for sustained growth in the evolving housing finance landscape.
