HomeFirst Finance (HFFC) shows strong momentum in affordable housing.

Their Assets Under Management (AUM) reached `13,481 Cr` ($1,586 Mn) in Q1FY26, up from `12,716 Cr` ($1,496 Mn) in FY25, serving over 1.23 lakh customers.

Housing loans make up 85%+ of AUM, with average ticket sizes around `11.9 lakh` ($14k) for first-time buyers.

HFFC’s growth is fueled by a tech-first, scalable model, leveraging 362 touchpoints across 13 states and centralized, data-science-backed underwriting.

This enables 90% loan approvals within 48 hours, demonstrating operational efficiency and strong risk management.

Financially, Q1FY26 Profit After Tax (PAT) stood at `119 Cr` ($14 Mn). FY25 Return on Equity (RoE) was a healthy 16.5%, with Gross Stage 3 (NPA) at 1.7%. The company maintains `3,391.5 Cr` ($399 Mn) in liquidity, a diversified funding base of 33 lenders (zero commercial papers), and a solid AA 'Stable' credit rating.

Management's focus is on technology leadership, cost efficiency (2.7% Opex/Assets), and robust governance.

With the affordable housing sector projected to reach $525 Bn (`44.62 lakh Cr`) in financing by 2030, HFFC sees significant runway ahead.