• FY27 financial targets: Can Fin Homes is projecting disbursements of ₹13,000 crore and AUM growth of 14% for FY27. Management expects to maintain spreads at 2.75%, net interest margins at 3.75%, and credit costs at roughly 15 basis points.
• Interest reset strategy: To curb elevated balance transfers and prepayments that shaved roughly 2% off FY26 AUM growth, the company transitioned over 85% of its portfolio to quarterly interest rate resets instead of annual resets.
• Digital and sourcing transformation: An ongoing core IT transformation going live in Q1 FY27 will add about ₹40 crore in annual expenses. This initiative, alongside internal sales expansion, is aimed at reducing dependence on direct selling agents (DSAs) from 80% to 60% by 2028.
• Regional recovery outlook: Operational delays from mandatory e-khata digital shifts in Karnataka and Telangana are normalizing. Karnataka disbursements are projected to grow by 15% or more in FY27 after achieving 7% growth in FY26.
• Regulatory jurisdiction clarity: Regarding inquiries into recruitment practices, management stated that Can Fin Homes is a private entity with under 30% Canara Bank shareholding, meaning Central Vigilance Commission (CVC) oversight does not legally apply.