Can Fin Homes Reports on Business Responsibility, Highlights Focus on ESG and Responsible Lending Practices

Can Fin Homes Reports on Business Responsibility, Highlights Focus on ESG and Responsible Lending Practices​

Can Fin Homes Ltd (CFHL), a prominent player in the housing finance sector, has released its Business Responsibility and Sustainability Report for the Financial Year 2025-26. The report provides detailed insights into the company's operational scope, financial standing, employee welfare measures, and commitment to environmental stewardship across its nationwide network of offices.

The company’s primary business activity revolves around providing long-term finance solutions for residential properties, accounting for 98.95% of its turnover. CFHL serves customers in both urban and rural areas, operating through 256 offices across 21 states and Union Territories.

Operational and Financial Overview​

As reported in the BRSR, Can Fin Homes Ltd maintains a paid-up capital of ` 2,663.31 Lakhs, held across 13,31,54,125 equity shares. The company serves the housing finance needs of an estimated customer base of around 6 lakhs, catering to various income segments including economically weaker sections (EWS) and low-income groups (LIG).

Financial strength is supported by a robust depositor base. As of March 31, 2026, total outstanding deposits stood at ` 22,020.85 Lakhs, reflecting a significant growth of 13.79% compared to the preceding financial year.

The company offers a range of products, including housing loan composites, commercial home loans, and specialized schemes like Can Fin Vishwas for marginalized communities. A detailed breakdown of Home Loan Approvals across income categories shows:

ESG and Environmental Commitments​

CFHL has integrated various sustainability initiatives into its operations, focusing heavily on energy efficiency and resource management. The company reported a substantial commitment to green practices:

• Energy Efficiency: CFHL successfully transitioned all offices to energy-efficient LED lighting across premises, estimated to reduce lighting electricity consumption by 20 to 25%. Furthermore, the Registered Office features a 25 KW rooftop solar power system that generated around 8140 kWh during the reporting period.
• Water Stewardship: A rainwater harvesting system was implemented at the Registered Office to support groundwater recharge. The company also replaced ordinary fixtures with low-flow water taps across offices, estimating a 40-50% water saving per tap.
• Waste Management: CFHL maintained responsible waste practices, recycling 1.28 tons of e-waste and paper/file waste in FY 2025-26. Total non-hazardous waste generated was 0.47 MT (Mixed Waste) and 0.4 MT (Paper & File Waste).

Human Capital and Social Responsibility​

The focus on the workforce is evident through continuous training and benefits. CFHL reported that 93% of its employees were covered by health and safety awareness programs in FY 2025-26. The company also ensures a high level of commitment to employee well-being, with both permanent and non-permanent staff being subject to comprehensive welfare measures.

Key social and customer service aspects include:

• Customer Grievance Redressal: CFHL maintains a dedicated grievance redressal mechanism available across multiple channels (including the website and a dedicated form). For FY 2025-26, 1,455 customer grievances were received, with 36 pending resolution.
• Human Rights and Inclusion: The company actively protects human rights through its internal mechanisms, operating under the supervision of the President (General Manager) and Executive Directors. CFHL also ensures accessibility for differently-abled individuals across all premises, providing barrier-free entry via ramps and elevators where applicable.

Market and Governance Activities​

The company’s governance framework includes setting clear ESG expectations, recognizing its position as an Upper Layer NBFC. The BRSR detailed that the company completed a comprehensive ESG Gap Analysis through a third party expert to define a structured sustainability roadmap covering areas like environmental management, responsible lending, and employee well-being. Furthermore, the company conducted a preliminary climate risk assessment on its mortgage portfolio.

The report emphasizes the continuous effort to improve service quality, noting that the Grievance Redressal Department ensures grievances are registered with a unique reference number and addressed in line with defined escalation matrices (Branch Level: 7 days; Grievance Redressal Dept.: 30 days).

CANFINHOME Stock Price Movement​

Today, Can Fin Homes Limited shares edged higher to close at ₹918.8 after rising 2.97%. The stock saw active trading in the post-market session, with a total volume of 282,244 shares recorded today.