Housing Finance: Q1 FY27 results (April-June 2026)

15 companies have declared Housing Finance Q1 FY27 results so far, the latest on 13 Aug 2026.

Across the 1 non-financial companies with a year-ago quarter to compare, sales grew -18.8% and net profit -8.3% year on year, and the combined operating margin narrowed 667 bps to 76.4%.

For the 14 banks, net interest income grew +17.2% and net profit +17.4%.

92% of companies grew net profit; 17% beat their own profit trend and 8% fell short of it.

Updated 12 Oct 2026, 12:20 IST 15 declared 111 due in the next 3 days →

Housing Finance Q1 FY27 scoreboard

Sales growth
-18.8%
YoY, 1 companies combined; median +20.3%
Net profit growth
-8.3%
YoY combined; median +19.3%
Operating margin
76.4%
-667 bps YoY
Grew profit
92%
0 turnarounds, 0 into loss
Vs own profit trend
17% / 8%
above / below, 75% in line
Banks: NII growth
+17.2%
14 banks; profit +17.4%
Price since results
-11.2%
median; 7% of 14 stocks up
Other-income heavy
1
25%+ of pre-tax profit from other income & one-offs

Latest Housing Finance Q1 FY27 results 15

Sammaan Capital Limited

SAMMAANCAP · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹14,524 Cr
P/E
—
PEG
—
Since results
-18.8%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income -13.8%from loss 317-321368
Other income -96.3%from loss 30.9-6,496846
Operating profit (pre-provision) -65.1%— 326—934
Cost-to-income % -1682 bps— 6.2%—23.0%

Against its own trend ?

TrendActualGap
NII₹184₹317 +72.3% above
AI read of the filing Sammaan Capital Reports Zero Deviation in Fund Utilization for Q1 FY2026-27 Neutral
  • Confirmed 0% deviation in the utilization of proceeds from equity and NCD issues for the quarter ended June 30, 2026
  • Board meeting concluded within 1 hour and 40 minutes (02:00 P.M. to 03:40 P.M.)
  • Appointment of H.E. Dalia Hazem Gamil Khorshid (DIN: 11789322) as an Additional Non-Executive Director
Full analysis →

Coral India Finance & Housing Limited

CORALFINAC · Housing Finance · Q1 FY27 · Standalone · Filed
M Cap
₹124 Cr
P/E
8.6
PEG
—
Since results
-5.9%
  • Operating margin contracted 667 bps YoY
  • 45% of pre-tax profit came from other income and one-off items
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Sales -18.8%+22.0% 3.73.04.6
Operating profit -25.3%+29.2% 2.82.23.8
OPM % -667 bps+427 bps 76.4%72.1%83.1%
Other income +12.9%+348.2% 2.30.52.0
Net profit -8.3%+64.1% 4.42.74.8
PAT margin % +1358 bps+3043 bps 118.6%88.2%105.0%
EPS (₹) -7.6%+64.2% 1.100.671.19

Quality of profit

Core 55%Other income & one-offs 45%

Pre-tax profit ₹5.1 Cr: core business ₹2.8 Cr, other income ₹2.3 Cr.

Core profit YoY: -25.3% · reported profit -8.3%

Cash & debt

FY26 cash from operations ₹16.0 Cr: 108% of FY26 net profit of ₹14.8 Cr.

Borrowings nil at Mar 2026.

Against its own trend ?

TrendActualGap
Sales₹3.6₹3.7 +2.2% in line
Net profit₹4.4₹4.4 +0.8% in line
AI read of the filing 66% YoY Profit Growth in Q1 FY27; Rs 0.20 Dividend Record Date Set for Aug 28 Positive
  • Net Profit increased by 66.2% YoY to ₹4.47 Cr for the quarter ended June 30, 2026.
  • Total Income rose to ₹6.01 Cr, a 68.8% increase compared to ₹3.56 Cr in the same quarter last year.
  • Final dividend of ₹0.20 per share (10% of face value) confirmed with a record date of August 28, 2026.
Full analysis →

GIC Housing Finance Limited

GICHSGFIN · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹708 Cr
P/E
4.5
PEG
—
Since results
-11.0%
  • Profit +29% above its own trend
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +1.9%-10.7% 93.810592.0
Other income —-39.0% 0.61.00.0
Operating profit (pre-provision) —— 17.7——
Net profit +44.0%-81.3% 10.154.07.0
EPS (₹) +35.5%-81.2% 1.879.971.38
Cost-to-income % —— 81.2%——

Where profit came from

Pre-provision profit ₹17.7 Cr.

Net profit +44.0% YoY.

Against its own trend ?

TrendActualGap
NII₹100₹93.8 -6.6% below
Net profit₹7.8₹10.1 +29.1% above
AI read of the filing GIC Housing Finance Q1 Net Profit Grows 36% YoY to ₹10.04 Cr; ₹1,000 Cr RPT Limit Proposed Neutral
  • Net Profit increased to ₹10.04 Cr in Q1 FY27 from ₹7.35 Cr in Q1 FY26.
  • Impairment of financial instruments decreased by 58% YoY to ₹32.49 Cr.
  • Proposed Material Related Party Transactions limit of ₹1,000 Cr with promoter group companies.
Full analysis →

Repco Home Finance Limited

REPCOHOME · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹2,061 Cr
P/E
4.3
PEG
0.29
Since results
-10.4%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +10.4%+4.5% 216207196
Other income —-80.0% 0.21.00.0
Operating profit (pre-provision) —— 148——
Net profit +5.8%-9.9% 122135115
EPS (₹) +5.7%-10.0% 19.4421.6118.40
Cost-to-income % —— 31.8%——

Where profit came from

Pre-provision profit ₹148 Cr.

Net profit +5.8% YoY.

Against its own trend ?

TrendActualGap
NII₹215₹216 +0.5% in line
Net profit₹117₹122 +3.9% in line
AI read of the filing Rs 114 Cr PAT: Repco Home Finance Reports Stagnant Q1 FY27 Earnings Neutral
  • Standalone Net Profit of Rs 114.15 Cr for Q1 FY27, nearly flat YoY vs Rs 115.14 Cr.
  • Total Revenue from operations increased 3.06% YoY to Rs 454.17 Cr.
  • Finance costs rose to Rs 251.29 Cr, up from Rs 244.07 Cr in the year-ago quarter.
Full analysis →

SRG Housing Finance Limited

SRGHFL · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹182 Cr
P/E
5.6
PEG
0.23
Since results
-60.1%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income —— 30.1——
Other income —— 0.1——
Operating profit (pre-provision) —— 10.0——
Net profit —— 8.5——
EPS (₹) —— 5.39——
Cost-to-income % —— 66.8%——

Where profit came from

Pre-provision profit ₹10.0 Cr.

AI read of the filing 24.9% PAT Growth: SRGHFL Q1 FY27 Net Profit reaches ₹8.47 Cr on 26.5% Revenue jump Positive
  • Total Revenue from Operations increased 26.5% YoY to ₹53.95 Cr from ₹42.63 Cr.
  • Net Profit after Tax grew 24.9% YoY to ₹8.47 Cr compared to ₹6.78 Cr in the same quarter last year.
  • Interest Income saw a robust growth of 37.1% YoY, reaching ₹50.93 Cr.
Full analysis →

PNB Housing Finance Limited

PNBHOUSING · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹30,201 Cr
P/E
13.0
PEG
0.43
Since results
+11.0%
  • Profit -14% below its own trend
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +24.0%-1.2% 925936746
Other income -98.1%from loss 1.9-10.0102
Operating profit (pre-provision) +13.7%— 718—632
Net profit +4.5%-15.0% 557656534
EPS (₹) +4.2%-15.0% 21.3925.1720.52
Cost-to-income % -299 bps— 22.5%—25.5%

Where profit came from

Pre-provision profit ₹718 Cr (+13.7% YoY).

Net profit +4.5% YoY.

Against its own trend ?

TrendActualGap
NII₹856₹925 +8.0% above
Net profit₹647₹557 -13.8% below
AI read of the filing PNB Housing Q1 FY27 Net Profit up 4.5% YoY to ₹557.34 Cr; Revenue grows 9% to ₹2,263 Cr Neutral
  • Revenue from operations increased 9% YoY to ₹2,263.44 Cr from ₹2,076.11 Cr.
  • Net profit after tax grew 4.5% YoY to ₹557.34 Cr, though it fell 15% sequentially from Q4 FY26.
  • Raised ₹500.14 Cr via private placement of secured NCDs on June 09, 2026.
Full analysis →

Aadhar Housing Finance Limited

AADHARHFC · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹19,441 Cr
P/E
17.0
PEG
0.68
Since results
-11.4%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +44.0%-4.0% 616642428
Other income -95.3%-46.2% 4.38.091.2
Operating profit (pre-provision) +9.6%— 364—332
Net profit +19.0%-9.2% 282311237
EPS (₹) +17.6%-9.4% 6.477.145.50
Cost-to-income % +532 bps— 41.4%—36.1%

Where profit came from

Pre-provision profit ₹364 Cr (+9.6% YoY).

Net profit +19.0% YoY.

Against its own trend ?

TrendActualGap
NII₹522₹616 +18.1% above
Net profit₹280₹282 +0.8% in line
AI read of the filing ₹282 Cr Q1 PAT: Aadhar Housing Finance Reports 19% YoY Profit Growth Positive
  • Net Profit increased 19% YoY to ₹282.31 cr from ₹237.30 cr in the year-ago quarter.
  • Revenue from operations grew 17% YoY to ₹992.77 cr, compared to ₹848.11 cr in Q1 FY26.
  • Raised ₹250 cr via private placement of Non-Convertible Debentures (NCDs) on June 13, 2026.
Full analysis →

Aptus Value Housing Finance India Limited

APTUS · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹10,804 Cr
P/E
11.0
PEG
0.48
Since results
-20.4%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +39.3%+4.3% 431413309
Other income -82.9%-45.4% 10.419.060.6
Operating profit (pre-provision) +11.1%— 329—296
Net profit +19.0%-0.0% 261261219
EPS (₹) +18.7%+0.0% 5.215.214.39
Cost-to-income % +547 bps— 25.4%—19.9%

Where profit came from

Pre-provision profit ₹329 Cr (+11.1% YoY).

Net profit +19.0% YoY.

Against its own trend ?

TrendActualGap
NII₹356₹431 +20.8% above
Net profit₹275₹261 -5.0% in line
AI read of the filing APTUS Q1 FY27 PAT Up 19% YoY to ₹261 Cr; Revenue Grows 15% to ₹611 Cr Positive
  • Net Profit increased 19% YoY to ₹260.94 Cr from ₹219.25 Cr in the year-ago quarter.
  • Total Income rose 15.2% YoY to ₹610.65 Cr, representing approximately 27% of TTM revenue.
  • Impairment on financial instruments surged to ₹21.49 Cr compared to ₹10.59 Cr in June 2025.
Full analysis →

Bajaj Housing Finance Limited

BAJAJHFL · Housing Finance · Q1 FY27 · Standalone · Filed
M Cap
₹67,887 Cr
P/E
25.2
PEG
0.93
Since results
-6.8%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +32.5%+2.9% 1,1751,141887
Other income -100.0%— 0.00.0126
Operating profit (pre-provision) +16.4%— 929—798
Net profit +22.6%+6.9% 715669583
EPS (₹) +22.9%+7.5% 0.860.800.70
Cost-to-income % -25 bps— 20.9%—21.2%

Where profit came from

Pre-provision profit ₹929 Cr (+16.4% YoY).

Net profit +22.6% YoY.

Against its own trend ?

TrendActualGap
NII₹1,125₹1,175 +4.4% in line
Net profit₹696₹715 +2.8% in line
AI read of the filing ₹715 Cr PAT; Bajaj Housing Finance reports 22.6% YoY profit growth in Q1 FY27 Positive
  • Net Profit after tax rose to ₹715.28 crore in Q1 FY27 from ₹583.30 crore in Q1 FY26.
  • Total Revenue from operations increased 17.2% YoY to ₹3,063.02 crore.
  • Impairment on financial instruments significantly improved, dropping to ₹16.10 crore from ₹38.21 crore YoY.
Full analysis →

Home First Finance Company India Limited

HOMEFIRST · Housing Finance · Q1 FY27 · Standalone · Filed
M Cap
₹11,257 Cr
P/E
19.4
PEG
0.59
Since results
-9.8%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +29.7%+7.7% 330306254
Other income -8.5%-39.0% 1.83.02.0
Operating profit (pre-provision) —— 208——
Net profit +34.3%+7.3% 160149119
EPS (₹) +32.9%+6.8% 15.3114.3311.52
Cost-to-income % —— 37.3%——

Where profit came from

Pre-provision profit ₹208 Cr.

Net profit +34.3% YoY.

Against its own trend ?

TrendActualGap
NII₹349₹330 -5.7% below
Net profit₹170₹160 -5.9% in line
AI read of the filing 34.4% YoY PAT Growth to ₹159.85 Cr in Q1 FY27 for Home First Finance Positive
  • Net Profit after tax increased 34.4% YoY to ₹159.85 cr from ₹118.89 cr in the previous year's quarter.
  • Total revenue from operations rose to ₹538.01 cr, a growth of 18.6% compared to ₹453.61 cr in Jun 2025.
  • Direct assignment of 3,792 loans worth ₹317.02 cr was completed during the quarter.
Full analysis →

Housing & Urban Development Corporation Limited

HUDCO · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹31,980 Cr
P/E
7.5
PEG
0.23
Since results
-15.9%
  • Profit +25% above its own trend
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +20.3%+0.6% 1,1561,150961
Other income +154.0%-67.2% 20.362.08.0
Operating profit (pre-provision) —— 1,066——
Net profit +35.1%-57.0% 8511,981630
EPS (₹) +34.9%-57.1% 4.259.903.15
Cost-to-income % —— 9.4%——

Where profit came from

Pre-provision profit ₹1,066 Cr.

Net profit +35.1% YoY.

Against its own trend ?

TrendActualGap
NII₹1,193₹1,156 -3.1% in line
Net profit₹681₹851 +25.1% above
AI read of the filing ₹1.25 Interim Dividend Declared; Total Indebtedness Reaches ₹1.53 Lakh Cr Neutral
  • Declared 1st interim dividend of ₹1.25 per equity share for FY 2026-27.
  • Total financial indebtedness reported at ₹1,53,204.35 Cr as of June 30, 2026.
  • Raised ₹2,140 Cr through private placement of Non-Convertible Debt Securities on June 18, 2026.
Full analysis →

Aavas Financiers Limited

AAVAS · Housing Finance · Q1 FY27 · Standalone · Filed
M Cap
₹9,460 Cr
P/E
13.8
PEG
0.92
Since results
-20.7%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +16.5%-5.9% 416442357
Other income —— 0.40.00.0
Operating profit (pre-provision) —— 220——
Net profit +23.2%-5.9% 171182139
EPS (₹) +22.8%-5.7% 21.6022.9117.59
Cost-to-income % —— 47.1%——

Where profit came from

Pre-provision profit ₹220 Cr.

Net profit +23.2% YoY.

Against its own trend ?

TrendActualGap
NII₹423₹416 -1.6% in line
Net profit₹158₹171 +8.4% in line
AI read of the filing Aavas Financiers Q1 PAT Rises 23% YoY to ₹171.27 Cr; Revenue Up 13% Positive
  • Net Profit increased 23% YoY to ₹171.27 Cr compared to ₹139.23 Cr in the previous year's quarter.
  • Total Revenue from operations rose 12.9% YoY to ₹708.72 Cr from ₹627.56 Cr.
  • Basic Earnings Per Share (EPS) improved to ₹21.60 from ₹17.59 YoY.
Full analysis →

Can Fin Homes Limited

CANFINHOME · Housing Finance · Q1 FY27 · Standalone · Filed
M Cap
₹9,562 Cr
P/E
8.3
PEG
0.41
Since results
-17.4%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income +20.4%-0.7% 437440363
Operating profit (pre-provision) +11.4%— 339—304
Net profit +19.6%-22.6% 268346224
EPS (₹) +19.6%-22.5% 20.1125.9616.81
Cost-to-income % +418 bps— 22.5%—18.3%

Where profit came from

Pre-provision profit ₹339 Cr (+11.4% YoY).

Net profit +19.6% YoY.

Against its own trend ?

TrendActualGap
NII₹435₹437 +0.5% in line
Net profit₹273₹268 -1.8% in line
AI read of the filing Can Fin Homes Q1 PAT Rises 19.6% YoY to ₹267.82 Cr; Provisions Decline Sharply Positive
  • Net Profit after Tax increased to ₹267.82 Cr in Q1 FY27 from ₹223.87 Cr in Q1 FY26, a 19.6% growth.
  • Provisions for Expected Credit Loss (ECL) and write-offs dropped significantly to ₹13.06 Cr from ₹26.25 Cr in the same quarter last year.
  • Total Income from Operations rose to ₹1,096.33 Cr, representing a 7.4% increase over the ₹1,020.40 Cr reported in Q1 FY26.
Full analysis →

Piramal Finance Limited

PIRAMALFIN · Housing Finance · Q1 FY27 · Consolidated · Filed
M Cap
₹46,549 Cr
P/E
—
PEG
—
Since results
-8.5%
₹ CrYoYQoQ Jun 2026Mar 2026Jun 2025
Net interest income —— 1,634——
Other income —— 160——
Operating profit (pre-provision) —— 443——
Net profit —— 461——
EPS (₹) —— 20.38——
Cost-to-income % —— 75.3%——

Where profit came from

Pre-provision profit ₹443 Cr.

AI read of the filing ₹4,000 Crore Fundraise Approved and Q1 FY27 Results Released Positive
  • Board approved raising up to ₹4,000 crore via equity, NCDs, or other equity-linked securities.
  • Total loan book (gross) reported at ₹90,202.54 crore as of June 30, 2026.
  • Total assets stood at ₹1,12,690.60 crore, providing a security cover ratio of 1.25 for pari-passu debt.
Full analysis →

Standouts so far

Biggest profit growth

  1. Housing & Urban+35.1%
  2. Home First+34.3%
  3. Aavas Financiers+23.2%
  4. Bajaj Housing+22.6%
  5. Can Fin+19.6%

Biggest profit declines

  1. PNB Housing+4.5%
  2. Repco Home+5.8%
  3. LIC Housing+9.9%
  4. Aadhar Housing+19.0%
  5. Aptus Value+19.0%

Best price reaction

  1. PNB Housing+11.0%
  2. Bajaj Housing-6.8%
  3. Piramal Finance-8.5%
  4. Home First-9.8%
  5. Repco Home-10.4%

Worst price reaction

  1. Aavas Financiers-20.7%
  2. Aptus Value-20.4%
  3. Sammaan Capital-18.8%
  4. Can Fin-17.4%
  5. Housing & Urban-15.9%

Among companies with a market cap of ₹1,000 Cr or more, so a tiny base does not top the list. Price reaction: last close against the close before the filing.

Reporting in the next three days

HCL Technologies (Mon 12 Oct), ICICI Prudential (Mon 12 Oct), RBL Bank (Mon 12 Oct), Swan Defence (Mon 12 Oct), Gujarat State (Mon 12 Oct), Swaraj Engines (Mon 12 Oct), Plastiblends India (Mon 12 Oct), UMIYA BUILDCON (Mon 12 Oct), Alkali Metals (Mon 12 Oct), Gradiente Infotainment (Mon 12 Oct), Agri-Tech (India) (Mon 12 Oct), Abhishek Integrations (Mon 12 Oct), Rudra Ecovation (Mon 12 Oct), Newtrac Foods (Mon 12 Oct), Inani Securities (Mon 12 Oct), Neil Industries (Mon 12 Oct), Adroit Industries (Mon 12 Oct), TYPHOON (Mon 12 Oct), UNIVARTS (Mon 12 Oct), VERONICAPRO (Mon 12 Oct), ICICI Prudential (Tue 13 Oct), Tata Elxsi (Tue 13 Oct), Transformers And Rectifiers (Tue 13 Oct), Anand Rathi (Tue 13 Oct) and 87 more. Full results calendar →

How to read this page

The numbers. Each card is one company's Q1 FY27 results as filed with NSE or BSE, read from the filing within hours of its release, in ₹ crore. We show the consolidated statement, or the standalone one when the consolidated figures are a copy of it or have no year-ago quarter to compare with. YoY compares with the same quarter a year earlier and QoQ with the quarter before (the previous half-year for companies that report every six months). A swing between profit and loss is described in words: a percentage across it would mislead.

Margins. Operating margin (OPM) is operating profit, before depreciation, interest and other income, as a share of sales; PAT margin is net profit as a share of sales. Their changes are in basis points (100 bps = 1 percentage point).

Quality of profit. Core profit is operating profit minus interest and depreciation: what the business itself earned before tax. The rest of pre-tax profit is other income (interest on cash, dividends, gains on investments) and exceptional or one-off items. We flag a quarter when that share is 25% or more, and when reported profit grew much faster than core profit. For banks we compare pre-provision profit with net profit, since a fall in provisions can lift profit without the business growing.

Against its own trend. We do not have analyst consensus estimates, and we do not make them up. Instead each company is measured against the path it was on: the same quarter last year, grown at the median of its last four year-on-year growth rates (held between −50% and +100%; at least two growth rates needed). Sales 5% or more above that, or net profit 10% or more above, is "above trend"; as far below is "below trend". It answers "was this quarter better or worse than the company's own recent run?", which consensus does not.

Cash and debt. Profit is an accounting figure; cash is harder to dress up. For each company we show its operating cash flow for the last financial year as a share of that year's net profit (flagged under 50%, or when it is negative despite a profit), and its borrowings at the latest balance sheet against the one six months earlier (flagged at a 25% move). Balance sheets come with the September and March results, cash-flow statements with the March results.

Price since results. The latest close against the last close before the filing (a filing after 3:30 pm counts from the next session). It is a fact about the market's reaction, not advice.

Market cap groups. Large cap is the 100 largest companies by market value and mid cap the next 150 (SEBI's ranking); below that, small cap is ₹5,000 Cr or more, micro cap ₹500 Cr or more, nano cap below.

⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI