CAN FIN HOMES LTD

Registered Office
No. 29/1, 1st Floor, Sir M N Krishna Rao Road
Can FincaHomes Ltd Basavanagudi, BENGALURU - 560 004
(Sponsor:.na.ra bank.) E-mail: compsec@canfinhomes.com
Urans/aiintj 'T)reams info ?7Zea/iiy Tel: 080 48536192 Fax:080 26565746
Web: www.canfinhomes.com
CIN: L85110KA1987PLC008699
CFHRO SE CS LODR 166/2021
October 21, 2021
ONLINE SUBMISSION

^^ational Stock Exchange of India Ltd., BSE Limited

Exchange Plaza, C-l, Block G, Corporate Relationship Department
Bandra Kurla Complex, 25th Floor, P J Towers
Bandra (E) Dalai Street, Fort,
Mumbai - 400 051 Mumbai - 400 001

NSE Symbol: CANFINHOME BSE Scrip Code: 511196

Dear Sirs,

Sub: Outcome of Board meeting and submission of Un-audited Financial Results

for the quarter and half year ended on September 30, 2021
Ref: Our letter CFHRO SE CS LODR 159/2021 dated October 05, 2021

We wish to inform that at the meeting of the Board of Directors of the Company held today
i.e., October 21, 2021, Thursday, at Bengaluru, the results for 2nd quarter and half year ended
on September 30, 2021, duly reviewed and recommended by the Audit Committee, inter alia,
has been considered and approved by the Board of Directors of the Company at the aforesaid
meeting.

In relation to the above, we enclose the following:

I. Statement of Standalone Un-audited Financial Results of our Company for the 2nd
quarter and half year ended on September 30, 2021, including half-yearly statement on
assets and liabilities of the Company and statement of cash flows, which are prepared
in accordance with the Indian Accounting Standards (Ind AS), duly signed by the
Managing Director & CEO (Annexure-i).

II. Limited Review Report for the said period issued by M/s. B Srinivasa Rao & Co. and
M/s.B K Ramadhyani & Co. LLP, the Joint Statutory Central Auditors of the Company
and taken on record by the Board (Annexure-2).
(
III. Additional Information in compliance with Chapter V of LODR Regulations, 2015
[Reg.52(4)] (Annexure -3).

IV. A 'Nil' statement of deviation or variation in the prescribed format as required under
Regulation 32 of the SEBI (LODR) Regulations, 2015 read with SEBI Circular
No.CIR/CFD/CMDI/162/2019 dated December 24, 2019 is also enclosed herewith
(Annexure-4).

V. A 'Nil' statement of deviation or variation in the use of proceeds of funds raised through
Non-Convertible Debentures for the purpose other than those mentioned in offer
document (SEBI Circular No. CIR/CFB/CMD1/162/2019 dated December 24, 2019 and
circular no. SEBI/HO/DDHS/08/2020 dated January 17, 2020) (Annexure - 5).

The Board of Directors, at the above meeting, has given necessary approvals and authorisations
for issue of Non-Convertible Debentures, on private placement basis upto an extent of Rs.4000___
Crore, as approved by the Members at the 34th Annual General Meeting of the Company
on September 08, 2021 for issue in tranches for a period upto the date of the Annual Gerfep^l ^Va\
Meeting (AGM) of the financial year 2021-22. The Board has authorized a Committee to dj^^/f^FioorT
\ Road/★
on the terms and conditions of the Issue like timing of the Issued), size, number of securities,
tenure, coupon etc.

The meeting of the Board of Directors commenced at 03:00 p.m. and concluded at 04:15 p.m.

This intimation of outcome of the Board meeting may please be treated as compliance made
under Regulations 30 (read with Para A of Part A of Schedule III), 33 and 52 of the SEBI (Listing
Obligations and Disclosure Requirements) Regulations, 2015.

In terms of SEBI (Prohibition of Insider Trading) Regulations,2015 and Company's Code of

Conduct, the trading window for designated persons will open on October 23, 2021.

This intimation letter along with annexures are being made available on the Company's website
www.canfinhomes.com simultaneously.

Kindly take the above intimation and documents on record.

Thanking you,

Yours faithfully,
For Can Fin Homes Ltd.,

Veena G Kamath
DGM & Company Secretary

Enel: As above.
T/ Regd. Off. \o
u No. 29/1,1st Floor, -
★ Urt.N.K.RaoRoady*
 Can Fin Hcxnes Ltd
<Sponsor: Bb^rots.)
^rans/<i/tng 7)f'oa ma in/o 3?aa/j /y
(T. In Ukhi)
Statement of Un-Audited Finanf ial Results for the Quarter and Half year ended 3Qi09/2021
Quarter Ended Six months ended Year ended
SI.No. Partimlare (avoyzoa) (syw/atto) (3W9/2021) (3tVP9/MM) (ji/oyam)
Un-audited & Un-audited & Un-audited & Un-aodited & Un-audited & Audited
Reviewed Reviewed Reviewed Reviewed Reviewed
Income from Operations:
- Interest Income 46,259.89 44,919.77 52,404.40 91,179.66 1,04,615.02 2^)0^36.71
• Fees and Commission Income 517.58 160.15 171.24 677.73 200.55 1,177.27
- Other Income 1112 4.26 S.40 15.48 15.91 29.13
Total Income from Operations 46,788.69 45384.18 5238134 9137187 134331.48 2.01343.12

2 Expenditure:
- Finance Costs 2738134 26303.92 31,342.93 53385.46 64,425.43 11033166
- Fees and Commission Expense 652.26 256.18 208.15 908.43 304.19 1,19935
- Employee Benefit expense 138733 1319.99 1,562.05 3,70733 3302.(3 6,998.42
- Depreciation and Amortisation 2510* 236.73 227.79 488.77 458.50 957.27
- Provisions for Expected Credit Loss and Write offs (refer note (620.50) 654.70 1,510.55 34.21 5,924.44 6353.17
6(iv))
- Other Expenses 631.02 71117 524.94 1343.19 907,44 3,24432
Total Expenditure 29384.19 30,483.69 35376.41 6036739 7532105 130385.10

3 Profit Before Tax 16,90430 14300-49 17304.63 31304.98 29309.43 61,758.02

4 Tax Expenses
• Current Tax 4,18833 338739 4,62031 737532 8,74730 17307.21
• Deferred Tax 35166 2831 (257.40) 380.88 (1394.80) (1,155.23)
Total Tax Expenses 434039 3,71530 4363.11 8356.40 735140 16,151.99
5 Net Profit after Tax 1236331 10384.99 1234132 2334838 21157.03 4530633

Olher Comprehensive Income (net of tax) (57,85) 11,76 138 (46.09) (18.94) (19*)
6 Total Comprehensive Income 12305-76 10396.75 1234190 2330149 21138-09 45303-10

7 Paid-up equity share capital (Face value of 72/- per share) 166331 166331 2,663.31 166331 236331 236331

8 Reserves excluding Revaluation Reserves as per balance sheet of 158317.46 112343.54 158317.46 111343.54 158317.46
238317.46
previous accounting year
(As at 31/03/2021) (As at 31/03/2021) (As at 31/03/2020) (As at 31/03/2021) (As at 31/03/2020) (As at 31/03/2021)
9 Earnings Per Share (EPS) (of 22/-each) Not Annualised Not Annualised Not Annualised Not Annualised Annualised
(a) Basic 9.29 8.17 9.64 17.46 16.64 34.25
(b) Diluted 9.29 8.17 9.64 17.46 16.64 34.25

02^ <?\ C

3
s?
>f;
 Note 1: Statement of Assets and Liabilities
? in Lakhs
51 No Particulars As at 30/09/2021 As at 30/09/2020 As at 31/03/2021
Unaudited & Un-audited &
Audited
Reviewed Reviewed
ASSETS
I Financial Assets
a) Cash and Cash equivalents 148.20 221.67 79.25
b) Bank Balances other than above 4,199.70 14,328.53 2,075.30
c) Derivative Financial Instruments
d) Receivables
(i) Trade Receivables 63.12 13.02 70.80
(ii) Other Receivables
e) Loans 23,30,134.75 20,62,886.49 21,89,148.23
34,866.71 2,416.27 4,960.39
0 Investments
g) Other Financial Assets 374.80 333.44 369.66

II Non-Financial Assets
Inventories
a) Current Tax Assets ( Net) 1,406.24 1,746.16 1,830.19
b) Deferred Tax Assets (Net) 4,180.07 4,490.40 4,545.46
c) Property, Plant and Equipment 4,036.60 3,360.70 3,782.44
d) Other non-financial assets 411.14 143.85 512.75

TOTAL 23,79,821.33 20,89,940.53 22,07,374.47

LIABILITIES AND EQUITY

LIABILITIES
Financial Liabilities
Derivative Financial Instruments
a) Payables
Trade Payables
(i) total outstanding dues of micro enterprises and small enterprises
(ii) total outstanding dues of creditors other than micro enterprises 316.79 571.98 432.58
and small enterprises
Other Payables
(i) total outstanding dues of micro enterprises and small enterprises
(ii) total outstanding dues of creditors other than micro enterprises
and small enterprises
b) Debt Securities 4,84,201.46 3,05,866.55 4,89,130.24
c) Borrowings (Other than debt securities) 15,27,954.47 14,90,585.63 13,85,621.47
d) Deposits 48,176.50 28,523.11 44,247.15
e) Subordinated Liabilities 10,739.69 10,739.69 10,291.47
0 Other Financial Liabilities 5,876.32 4,932.17 5,078.10

II Non-Financial Liabilities
a) Current tax liabilities (Net)
b) Provisions 2,578.44 10,228.38 10,225.35
c) Deferred tax liabilities ( Net)
d) Other non-financial liabilities 16,991.96 2,386.97 1,367.34

III EQUITY
a) Equity Share capital 2,663.31 2,663.31 2,663.31
2,80,322-39 2,33,442.74 2,58,317.46
b) Other Equity
TOTAL 23,79,821.33 20,89,940.53 22,07,374.47

<£i a
c; ^/CHMftEREDAo
pvw $f
S. £T> ★ ★
* R0. O
o BASAVANAGUDl -
★ ★
a
 Note 2: Cash Flow Statement for the half year ended September 30, 2021
? in Lakhs
SI. No Particualrs 30-09-2021 30-09-2020

A) Cash Flow from Operating Activities

Net Profit Before Tax and Exceptional Items 31,504.98 29,809.42
Add:
i) Adjustment For:
Depreciation and Amortization 488.77 458.50
Loss/(Profit) on Sale of Assets [net] 12.51 3.88
Interest expense accrued but not paid 14,761.44 19,363.67
Loss/(gain) on leases liability (19.24) (19.78)
Interest on lease liability 162.85 146.08
Interest income accrued but not received (652.83) (58.17)
Impairment of financial instruments 34.21 5,924.44
Fair Value adjustments on Debentures 17.64 37.75
Fair Value adjustments on Investments 2.11 1.64
Operating Profit before Working Capital Changes 46,312.44 55,667.43

ii) Adjustment For Working Capital:

(Increase)/Decrease in Trade Receivables 7.68 12.53
Increase/(Decrease) in Trade Payables (115.79) 148.03
(Increase)/Decrease in Other Financial Assets 647.69 27.36
(Increase)/Decrease in Loans (1,41,020.72) (16,241.68)
Increase/(Decrease) in Provisions (7,708.49) 3,580.04
('Increase)/Decrease in Other non-financial assets 101.60 59.91
Increase/(Decrease) in Other financial liabilities (14,268.85) (19,934.27)
Increase/(Decrease) in Other non-financial liabilities 15,624.62 798.41
(146,732.26) (31,549.67)
Cash Generated from Operations (1,00,419.82) 24,117.76
Less: Income Tax Paid 5,986.04 6,465.23
Net Cash Flow from Operating Activities (1,06,405.86) 17,652.53
■

B) Cash Flow from Investing Activities

Purchase of Property, Plant and Equipment (121.30) (66.02)
Sale of Property, Plant and Equipment 0.63 1.25
Investment in Government Securities (29,908.44) 12.59
(Increase)/Decrease in Other Bank balances (2,124.40) (12,316.47)
Net Cash Flow from Investing Activities (32,153.51) (12/368.65)

Q Cash Flow from Financing Activities

Short term borrowings (net) 44,897.96 (27,991.31)
Long Term Borrowings taken 3,55,500.00 1,40,500.00
Long Term Borrowings repaid (2,58,064.96) (75,012.79)
Proceeds from deposits accepted (net) 3,929.35 (1,984.94)
Debt Securities (net) (4,498.20) (74,678.11)
Payment of lease liability (472.74) (463.91)
Dividend Paid (2,663.08) (2,663.08)
Net Cash Flow from Financing Activities 1,38,628.33 (42,294.14)

Increase (Decrease) in Cash & Cash Equivalents 68.95 (37,010.26)

Cash & Cash Equivalents at the Beginning of the Year 79.25 37,231.93
Cash & Cash Equivalents at the end of the period 148.20 221.67

Other Notes:
Cash and Cash equivalents include:
Cash on hand 74.21 65.51
Cheques on hand
Balance with Banks
- Current Accounts 73.99 156.17
- Fixed Deposits
Total 148.20 221.67

•fa *?/CHARltREDVo
y CD
kAC! sf
s 4? ★ ★

£
£
c*;
Scored
 Notes to the Financial Results

1 As required by Ind AS 109, the company has developed a model to calculate expected credit losses (ECL). Summary results from this model indicate that
the company is carrying provisions in excess of its requirements. The Company is required to provide provisions as per prudential norms prescribed by
NHB/RBI. The provisions held as per NHB norms are in excess of the provision required as per the ECL model.

2 The Company's main business is to provide loans for the purchase and construction of residential houses. The Company is also involved in the corporate
insurance agency business activity; however it is not a separate reportable segment as per the Ind AS 108 "Operating Segments", specified under Section
133 of the Companies Act, 2013. As such there is no reportable segments), as per the IND AS 'Operating Segments" specified under section 133 of the
Companies Act,2013.
3 The Company has maintained 100% Asset Cover on its secured redeemable non-convertible debentures as on September 30, 2021 (floating charge on
hypothecation of book debts and receivables). That proceeds of the NCDs are used for the objects that were stated in the offer documents).

4 The Company in its Annual General Meeting held on September 8, 2021 has declared dividend towards financial year ended March 31, 2021 of ? 2/- per
equity share of face value of ? 2/- which was recommended by the board of directors on April 30, 2021 and paid subsequently.

5 Consequent to the outbreak of the COVID-19 pandemic, the Indian government announced a lockdown in March 2020. Subsequently, the national
lockdown was lifted by the government, but regional lockdowns continue to be implemented in areas with significant number of COVID-19 cases. During
the quarter ended September 30, 2021, India experienced the "second wave" of COVID -19 pandemic in April-May 2021 and has resulted in re-imposition
of localised lockdowns in various parts of the Country. These were gradually lifted as the second wave subsided.
The impact on the Company's operations and financial position, including the credit quality and requirement for provisioning, is uncertain and will
depend on future steps taken by the Government/Reserve Bank of India till such time that the economic activities return to normalcy, which is highly
unpredictable. The Company will continue to closely monitor any material changes to the future economic/regulatory conditions. However, operating
substantially in asset mortgage business, which is relatively stable asset class, no major impact is anticipated at this juncture.
6 (i) Details of resolution plan implemented under the Resolution Framework for COVID-19-related Stress as per RBI circular dated August 6, 2020 are
given below {? in lakhs except number of accounts)
Type of borrower (A) Number of accounts (B) exposure to (C) Of (B), (D) Additional (E) Increase in
where resolution plan accounts aggregate amount funding provisions on
has been implemented mentioned at (A) of debt that was sanctioned, if any, account of the
under this window before converted into including implementation of
implementation other securities between the resolution plan
of the plan invocation of the
plan and
implementation
Personal Loans 526 7,382.84 738.28
Corporate persons
Of which, MSMEs
Others 1 275.24 27.52
Total 527 7,658.08 >765.81

Format B

Type of borrower Exposure to accounts Of (A), aggregate Of (A) amount Of (A) amount Exposure to accounts
classified as Standard debt that slipped written off during paid by the classified as
consequent to into NPA during the half-year borrowers during Standard
implementation of the half-year the half- year consequent to
resolution plan - implementation of
Position as at the end of resolution plan -
the previous half-year Position as at the
(A) end of this half-year

Personal Loans 7,382.84 97.77 7,285.07

Corporate persons
Of which, MSMEs
Others 275.24 137.90 137.34
Total 7,658.08 235.67 7,422.41

(ii) Details of resolution plan implemented under the RBI Resolution Framework - 2.0: Resolution of COVID-19 related stress of Individuals and Small
Businesses dated May 5,2021 are given below:
* in lakhs except number of accounts
Individual Borrowers
Si. No Description
Personal Loans Business Loans Small businesses
Number of requests received for invoking resolution process under 4504.00
(A) Part A
3951.00
Number of accounts where resolution plan has been implemented
(B)
under this window
Exposure to accounts mentioned at (B) before implementation of 57,230.00
(C) the plan
Of (Q, aggregate amount of debt that was converted into other
(D) securities

(E) Additional funding sanctioned, if any, including between

invocation of the plan and implementation
Increase in provisions on account of the implementation of the
<F) resolution plan 5,723.00

o&
s*
£ ° BASAVANAGUDl \:
c
★ ★
<S>.
\*
I

(iii) There were 431 borrower accounts having an aggregate exposure of ? 6,231.23 lakhs to the Company, where resolution plans had been implemented
under RBI’s Resolution Framework 1.0 dated August 6, 2020 and now modified under RBI's Resolution Framework 2.0 dated May 5, 2021.

(iv) The additional provision held in the books under RBI COVID-19 Regulatory Package as at March 31, 2021 of ? 6,984.05 lakhs has been utilised for
provision under resolution framework - 2.0 in terms of the-RBI guidelines of ? 5,723.00 lakhs and balance of ? 1,261.05 lakhs has been withdrawn, also
provision held under resolution framework -1.0 of ? 28.82 lakhs has been withdrawn in respect of closed accounts and credited to "provision for expected
credit loss and write offs".__________________________________________________________________________________________________________________
7 The Statutory Auditors of the Company have carried out a limited review of the financial results for the quarter and half year ended September 30, 2021
in compliance of Reg.33 and 52 of SEBI (LODR) Regulations, 2015. The above financial results have been reviewed and recommended by the Audit
Committee of the Board and subsequently approved by the Board of Directors at its meeting held on October 21, 2021,
8 Previous period / year figures have been re-grouped wherever necessary.

In terms of our report of even date attached. For and on behalf of the Board of Directors
For B. K Ramadhyani & Co LLP For B Srinivasa Rao & Co., of Can Fin Homes Ltd.,
Chartered Accountants Chartered Accountants
FRN:- 002878S/S200021 FRN:- 008763S

c.
ler
-A Anand M R
Partner
Girish Kousgi
Managing Director & CEO
o
★
RO. o
BASAVANAGUDI «
★
mbership No: _
^LeiA^ruru
*
. c
Membership N 16
CHARTERED\o| <V~ a
DarePOctober 21, 202/^? ^UcCOUNTAKTS^fl ^
£
&
Independent Auditor's Review Report on Review of Unaudited Quarterly
Financial Results of the Company pursuant to the Regulation 33 of the SEBI
(Listing Obligations and Disclosure Requirements) Regulations, 2015
To,
The Board of Directors
Can Fin Homes Limited
Bengaluru

1. We have reviewed the accompanying statement of unaudited financial results ("the

Statement") of Can Fin Homes Limited ("the Company") for the Half Year ended September
30, 2021 being submitted by the Company pursuant to the requirement of Regulation 33 of
SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, as modified by
Circular No. CIR/CFD/FAC/62/2016 dated July 5, 2016.

2. This Statement, which is the responsibility of the Company's management and approved by
Board of Directors, has been prepared in accordance with the recognition and measurement
principles laid down in the Indian Accounting Standard 34 "Interim Financial Reporting" ("Ind
AS 34") prescribed under Section 133 of Companies Act, 2013 ("the Act") read with relevant
rules issued thereunder and other accounting principles generally accepted in India. Our
responsibility is to issue a report on the Statement based on our review.

3. We conducted our review of Statement in accordance with the Standard on Review

Engagement (SRE) 2410, "Review of Interim Financial Information Performed by the
Independent Auditor of the Entity" issued by the Institute of Chartered Accountants of India.
A review of Interim Financial Information consists of making inquiries, primarily of persons
responsible for financial and accounting matters and applying analytical and other review
procedures. A review is substantially less in scope than an audit conducted in accordance With
Standards of Auditing and consequently does not enable us to obtain assurance that we would
become aware of all significant matters that might be identified in an audit and accordingly,
we do not express an audit opinion.

In the conduct of our review, we have relied on the review reports in respect of non­
performing assets received from internal audit team of the Company in respect of 186
branches. These review reports cover 100 percent of the advances portfolio of the Company
on an ongoing basis which has been done by inspection department upto August 31, 2021.

4. Based on our review conducted as above, nothing has come to our attention that causes us
to believe that the accompanying Statement of unaudited standalone financial results
prepared in accordance with applicable accounting standards i.e. Indian Accounting Standards
prescribed under Section 133 of the Act, read with relevant rules issued thereunder or by the
Institute of Chartered Accountants of India and other recognized accounting practices and
policies has not disclosed the information required to be disclosed in terms of Regulation 33
of the SEBI (Listing Obligations and Disclosure Require ^gulations, 2015 and SEBI
Circcrl^Ki July 5, 2016 including the manner i T J^be disclosed, or that it
& iREDYp]
itoUccSuNTANTS^j
1 | Pa
B £
& ?/
&
tv,erfid *'''
 contains any material misstatement or that it has not been prepared in accordance with the
relevant prudential norms issued by the Reserve Bank of India in respect of income
recognition, asset classification and provisioning and other related matters.

5. Emphasis of matter:
Attention is drawn to Note 5 to the Statement which describes the impact of the Covid - 19
Pandemic on the Company's operations and financial position, including the credit quality and
requirement for provisioning, is uncertain and will depend on the future steps as they evolve
and is highly unpredictable at this stage. We have not modified our opinion in this matter

6. Other matters:
The review of unaudited financial results for the quarter ended June 30, 2021, quarter & half
year ended September 30, 2020 and annual financial results for the year ended March 31,
2021 were conducted by M/s Varma & Varma, Chartered Accountants, then statutory auditors
of the Company, who expressed unmodified opinions on such financial results. We do not
express any conclusion/ opinion as the case may be, on the figures so reported in the financial
results. Figures reported for the quarter ended September 30, 2021 is the balancing figure
between the figures in respect of year to date figures for the half year ended September 30,
2021 and that reviewed by previous auditor for the quarter ended June 30, 2021.

7. A copy of the unaudited quarterly financial results of the Company for the period under
review, which formed the basis of our limited review, duly initiated by us for the purpose of
identification is enclosed to this report.

For B K Ramadhyani & Co., LLP B Srinivasa Rao & Co

Chartered Accountj Chartered Accountants
FRN:002878S/S^g FRN: 008763S

C.R.
4? CHARTERED \o
(C R Deefia^^ >& (Anand M R) | "UCCOUNTANTS/-* ,
Partner Partner ★ /'k
Membership No. 215398 Membership No. 227336
UDIN: 21215398AAAADW6824 UDIN: 21227336AAAATF4841

Place: Bengaluru
Date: October 21, 2021

2 | Page
 /^rvn

CAN FIN HOMES LTD (CIN: L&5120KA1987PLC008699)

UnAudited Standalone Financial Results for the half year ended September 30,2021

Additional Information In compliance with Chapter V (Obligations of Listed Entity which has listed its Non-
Convertible Debt Securities) of SEBI (LODR) Regulations,201S
(a) Details of Credit Rating:
(i) Credit Analysis and Research ltd
Secured Taxable Non*Convertible debentures Rs. 8000 Crore "CARE AAA" (Negative)
(Rs.2662 Cr issued and outstanding as on the date of rating letter)

Subordinated Debt Programme Rs.300 Crore "CARE AAA" (Negative)

fli) ICRA limited
Secured Non-Convertible debenture programme Rs.4620 Crore . [iCRA] AA+
(Stable)
Subordinated Debt Programme Rs.300 Crore [ICRA] AA+
(Stable)
Asset Cover available:
The listed Secured Redeemable Non-Convertible Debentures of the Company aggregating Rs. 1247
Crore as on September 30, 2021 are secured by first and exclusive floating charge on specified assets !
by way of Hypothecation of book debts and receivables. The total asset coverage works out to
Rs.1293.42 against the outstanding Rs. 1247 Crore, thereof exceeds the required cover to be
maintained for the said debentures.

Particulars As on September 30,2021

Debt Equity Ratio 7.32
(d) Previous due dates for the payment of interest of Non-Convertible Details as per Annexure A
Debentures (01/04/2021 to 30/09/2021)

(e) Next due date for the payment of interest of Non-Convertible Details as per Annexure &
Debentures (01/10/2021 to 31/03/2022)
(f) Previous due dates for payment of Principal along with Interest of Non Details as per Annexure C
Convertible Debentures (01/04/2021 to 30/09/2021}
% ,
(e) Next due dates for payment of Principal along with interest of Non- Details as per Annexure D
Convertible Debentures
(01/10/2021 to 31/03/2021) ’
Debt Service Coverage ratio 0.13
Interest Service Coverage ratio 1.S8
(J) Net Worth (Rs. in Cr) (as on 31/03/2021) 2,609.81
Net Profit after Tax (Rs. in Crj 123.64
Earnings per share (EPS) - Basic (Amount in Rs.)
Current Ratio
9.29
0.01 I
Long term Debt to Working Capital -2.23
Bad Debts to Accounts receivable ratio NA
Current Liability Ratio 0.27
(q) Total Debts to Total Assets Ratio 0.87
Debtors Turnover Ratio 2.74
Inventory Turnover Ratio NA
Operating Margin 34.33%
Net Profit Margin 25.31%

•As per Companies Act,2013 and Rule 18(7)(b) (il) of Companies(Share Capital and Debenture) Rules, 2014, made there under,
Housing Finance Companies registered with the National Housing Sank are exempted from creating a Debenture Redemption
Reserve in respect of privately placed debentures, due to which DRR is not applicable to the Company.

p
★
r .•
eri
ANNEXUREA
Details of previous due dates for payment of Interest of Non-Convertible Debentures from 01/04/2021 to 30/09/2021:
SI. Due dates of Interest during last half Interest Amount
(SIN Status of Payment
No. year (Rs. in Crore)
1 1NE477A07241 (600 Cr) 18-05-2021 47.34 Paid

ANNEXURE6
Details of next due dates for payment of Interest of Non-Convertible Debentures from 01/10/2021 to 31/03/2022:
Due dates of Interest during next Interest Amount
Si.no (SIN Status
half year (Rs. in Crore)
1 INE477A07217 (122 Cr) 15-11-2021 9 48 Not yet due
2 INE477A08025 (100 Cr) 03-12-2021 8.94 Not yet due
3 INE477A07290 (275 Cr) 24-12-2021 17.19 Not yet due
4 INE477A07282 (250 Cr) 28-02-2022 19.63 Not yet due

ANNEXUREC
Details of previous due dates for Redemption of Non-Convertible Debentures from 01/04/2021 to 30/09/2021;
Due dates of Redemption during last Redemption Amount
Sl.no ISIN Status'
half year (Rs. in Crore)
Nil

ANNEXURED
Details of next due dates for Redemption of Non-Convertible Debentures from 01/10/2021 to 31/03/2022:
Due dates of Redemption during Redemption Amount
Sl.no ISIN Status
next half year (Rs. in Crore)
1 INE477A07217(122 Cr) 15-11-2021 122 Not yet due

T
o ba$a\ 1.0.
* 'AGUD/H

/V' w*.
'I
I A
 \
-A’

Statement of Deviation / Variation In utilisation of funds raised - Equity

Name of listed entity Can Fin Homes Limited_____ __
Mode of Fund Raising Public Issues / Rights Isisues /
Preferential issues / Qlft / Others
Date of Raising Funds Not applicable for.Q2 FY22
Amount Raised Not applicable for Q2 FY22
Report filed for Quarter endfed 30/09/2021
Monitoring Agency______________________ , Not applicable for Q2 FY22
Monitoring Agency Name, if applicable______.■ Not applicable for Q2 FY22
Is there a Deviation / Variation in use of funds raised Not applicable for Q2 FY22
If yes, whether the same is pursuant to change in .
terms of a contract of objects, which was approved
by. the shareholders______ ;__________ ._________
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation.
Comments of the Audit Committee after feview
Comments of the auditors, if any
Objects for which funds haVe been raised and where
there has been,a deviation, in the following table
Original Object. Modified Object, if any Original Modified Funds Amount of Remarks
Allocation allocation, Utilised Deviation/Variation for if any
if any the quarter according to
applicable object

Veena G Kamath Prashanth Joishy.

DGM & OS AGM & CFO

Date: 21/10/2021
Deviation or variation could mean:
(a) Deviation in the objects or purposes for which the.funds have been raised or
(b) Deviation in the amount bf funds actually utilized as against what was originally disclosed or _______
(c) Change in terms of a coritract referred to in the fund raising document i.e. prospectus, letter of offer, etc

C-t
*
Statement of Deviation / Variation in utilisation of funds raised * Non Convertible Debentures
Name of listed entity Can Fin Homes Limited
Mdde of Fund Raising Publib Issuob t Private Placement
Type of instrument Non-Convertible Debentures/Nori-

Preferenoo Shares
Date of Raising: Funds Not applicable for Q2 FY22
Amount Raised Not applicable for Q2 FY22
Report filed for half year ended 30/09/2021
Is there a Deviation / Variation in use of funds raised Not applicable for 02 FY22
Whether any approval is required to vary the objects bf
the issue stated in the prospectus/ offer document?
If yes, details of .the approval so required?______
Date of approval
Expianation for the Deviation / Variation
Comments of the Audit Committee after teview
Comments of the auditors, if any
Objects for which funds haVe been raised and where there
has been a deviation, in the following table
Original Object Modified Object, if any Original Modified Funds Amount of Remarks
Allocation allocation, Utilised Deviation/Variation for if any
if any the quarter according to
applicable object

Veena G Kamath Prashanth Joistv

DGM & CS AGM & CFO
Date: 21/10/202.1
Deviation or vaHation could,mean: |
(a) Deviation in the objects or purposes for which the funds have been raised or
(b) Deviation in-the arhount Of funds actually utilized as against what was oriqifiallv disclosed or
(c) Change in terms of a contract referred to in the fund raising document i.e. prospectus, letter of:0ffe7retc

'if. ro.
^ / gasavaw.gl/di 1-