Can Fin Homes management said it will pass on about 10 basis points increase to customers after RBI's repo rate hike, maintaining spreads and NIMs without major hit to margins

Mon 12 Oct 2026

Spread guidance

2.75 percent

NIM guidance

3.75 percent

Current spread

2.83 percent

Repo rate hike impact on borrowing cost

12 to 13 basis points

Housing rate pass-through

10 basis points

Heard on business television between 10:09:00 - 10:12:00 IST.

• Management said the 25 bps repo hike translates to about 12-13 bps impact on borrowing cost, with housing loan rates raised only 10 bps.
• Company guided spread of 2.75%+ and NIM of 3.75%+, currently running slightly above at around 2.83-2.85% spread.
• Targeting 13,000 crore disbursement for the year, about 23% growth versus 10,531 crore last year.
• AUM growth expected to pick up to 13-14% this year from 10% last year.
• By FY28, company aims to shift mix to 65:35 salaried-self employed and 80:20 housing-non housing to improve spreads.
• Responding to a Morgan Stanley note suggesting a 25 bps hike could aid PBT by 2%, management said PBT growth will come from AUM growth while spreads/NIMs will be protected.
• Stock was noted up 4.5% and active during the discussion.

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