9/ Note: Thread prepared with AI assistance for research, data structuring & visual design. All numbers sourced from company filings, press releases and concall transcripts. #IndiaShelter #HomeFirst

8/ Risks, both sides — no softening: • Supply overhang (the big one): Home First faces persistent PE/promoter block-selling that has weighed on the stock. India Shelter has a milder version — one venture investor still exiting. • Asset quality: Home First Gross Stage 3 at 1.8% vs India Shelter 1.2% — the gap is real. • Profitability gap: India Shelter's RoA runs ~180 bps higher; Home First must defend a thinner spread (5.3% vs 6.6%). • Valuation: as lenders, we read price-to-book against returns. Home First trades at a richer book multiple on a lower RoE (15.7%) than India Shelter (17.0%) — less room for a stumble. • Sector: intensifying competition from banks and new HFCs is compressing spreads industry-wide; rate moves cut both ways. • Neither stock is under ASM/GSM surveillance. If you had to own one affordable HFC for the next 3 years — cheaper-and-faster, or stronger-moat-and-pricier? 👇 #IndiaShelter #HomeFirst

7/ Ownership tells its own story. India Shelter: founders/promoters still hold ~47.5%, with zero shares pledged. Only one early venture investor is trimming its stake. Home First: the original PE/promoter base has fallen from ~57% to ~7%, via repeated large block sales through the year. One PE arm alone still holds ~12%. Neither is wrong — but one has committed owners, the other a steady stream of sellers. #IndiaShelter #HomeFirst

6/ Home First's 41% profit growth looks like the clear winner over India Shelter's 33%. One caveat worth knowing: Home First raised ₹1,250 Cr of fresh equity early in the year. That capital lifted net interest income — and is why its reported RoE (15.7%) actually sits below its pre-raise level (16.8%). So the 41% is real, but it leans partly on a one-time capital injection. Normalise for it and underlying growth tracks closer to the ~25% book. #IndiaShelter #HomeFirst

5/ Where they really diverge: keeping their word. Home First set a ~25% AUM-growth bar and met it through the year, every quarter against original guidance. Under-promise, deliver — then guided ~25% again for next year. India Shelter guided 30–35% at the start, walked it to "~30%" mid-year, and landed at 29% — with full-year disbursements up just 14%. Still strong, but a guidance gap worth noting. (Per management commentary across the year's earnings calls.) #IndiaShelter #HomeFirst

4/ "Faster" isn't the whole story. The two run different engines. India Shelter — higher spread (6.6% vs 5.3%), ~99% in-house sourcing, best-in-class costs (opex 3.9% of AUM). A distribution cost machine in tier-2/3 markets. Home First — proprietary data-science underwriting wired into Account Aggregator, a salaried-customer niche, hub-and-spoke reach covering ~80% of the affordable market. The harder model to copy. One wins on economics. The other on its tech moat. #IndiaShelter #HomeFirst

3/ On pure growth velocity, India Shelter leads the listed affordable-housing pack (AUM, INR, latest full year): • India Shelter 29% • Home First 24.9% • Aavas Financiers 15% It's the fastest-growing listed affordable HFC this cycle — and it funds that growth without diluting shareholders. #IndiaShelter #HomeFirst

2/ The full-year scorecard (all INR, this year vs last): India Shelter • AUM ₹11,044 Cr ( 29%) • PAT ₹503 Cr ( 33%) • RoA 5.9% (Q4) | RoE 17.0% • Gross Stage 3: 1.2% Home First • AUM ₹15,878 Cr ( 24.9%) • PAT ₹540 Cr ( 41.4%) • RoA 4.1% (Q4) | RoE 15.7% • Gross Stage 3: 1.8% Home First is the bigger book. India Shelter is more profitable per rupee, with cleaner asset quality. #IndiaShelter #HomeFirst

1/ Two affordable housing lenders. Same sector, same year. One grows its loan book faster — AUM 29% vs 24.9% (INR) — and earns more on every rupee lent: RoA 5.9% vs 4.1%. 🏦 Yet the market values the slower, lower-return one more richly. Why? 👇 #IndiaShelter #HomeFirst

3 . Home First Finance Company India Ltd 🔖 🚀Change In Fii Holding ~4.90 % Dec 2025~ 40.82% 🔥 Mar 2026 ~45.72 % 🔥 #homefirst #stockmaket #optiontrading #niftyit #stockmarketindia

Top Stocks from Today’s Leading Sectors: Travel & Tourism • IXIGO 12.20% • TBOTEK 7.74% Auto Passenger & CV • TMCV 10.15% • ASHOKLEY 10.01% NBFC • CHOLAFIN 7.78% • SHRIRAMFIN 7.75% Jewellery & Gold • GOLDIAM 12.98% • KALYANKJIL 4.22% Housing Finance • INDIASHLTR 8.96% • HOMEFIRST 7.73% Defence & Aerospace • MTARTECH 13.53% • PARAS 10.92% Full details with 1 Week Return, 20D & 50D Relative Strength in the attached screenshot 👇

Volume Shocker Stocks – 12 June 1. #IFCI 19.99% 2. #AIIL 15.26% 3. #TTML 10.18% 4. #ASHOKLEY 10.01% 5. #AEGISVOPAK 9.40% 6. #TMCV 8.92% 7. #MMTC 7.91% 8. #TBOTEK 7.74% 9. #HOMEFIRST 7.73% 10. #MOTILALOFS 6.84% Do you hold any We shared IFCI & AEGIS 8 DAYS AGO

Volume Shocker Stocks – 12 June 1. #IFCI 19.99% 2. #AIIL 15.26% 3. #TTML 10.18% 4. #ASHOKLEY 10.01% 5. #AEGISVOPAK 9.40% 6. #TMCV 8.92% 7. #MMTC 7.91% 8. #TBOTEK 7.74% 9. #HOMEFIRST 7.73% 10. #MOTILALOFS 6.84% 11. #HINDPETRO 6.34% 12. #ABDL 5.92% 13. #CEATLTD 5.88% 14. #AAVAS 5.84% 15. #AUBANK 5.42% 16. #RKFORGE 5.38% 17. #PGEL 5.29% 18. #APTUS 5.13% 19. #NYKAA 5.09% 20. #MAHABANK 5.08% #stockmarket #nifty #swingtrading #stocks

Portfolio today up 2.65% Thanks to #Aavas #Abdl #ambujacem #AnantRaj #Bse #Epackpeb #Homefirst #Idfcfirst #Inoxwind #Nbcc #powerica #SupriyaLifescience #Triturebine This all stock performed well and given more then 4% returns today... What about you guys....???

🎉 Congratulations to Vivek Choudhary and Sumit Chouhan of the IPER MBA Batch 2024-26 on their selection at Home First Finance Company India Ltd. Wishing them great success in their professional journey ahead! #IPER #MBA #CampusPlacement #HomeFirst #MBAPlacements #Bhopal

#BSE Top 100 #Stocks on 2026-06-11 13:44 #TopStocks #StockMarket #Investing Name Grp CurrentRate Change% ICICIBANK, A, 1323.90, 2.37 MTARTECH, A, 6281.00, -11.62 AEGISLOG, A, 894.10, 11.65 HDFCBANK, A, 748.15, 0.15 RELIANCE, A, 1265.90, 0.50 ALKEM, A, 5322.50, 0.52 PATANJALI, A, 418.45, -0.33 HONASA, A, 420.85, 1.68 AAVAS, A, 1319.00, 1.58 IGIL, A, 351.65, -2.20 CUPID, B, 152.85, 1.33 UNICHEMLAB, B, 480.55, 9.37 LT, A, 3870.30, -1.20 INFY, A, 1116.50, -2.49 MCX, A, 2773.95, 0.98 SBIN, A, 1005.00, 0.17 OLAELEC, A, 44.52, -5.86 APOLLO, A, 380.00, -4.59 VEDL, A, 305.30, 2.00 LAURUSLABS, A, 1392.00, 0.50 MARICO, A, 809.20, -1.31 POWERINDIA, A, 33240.00, -0.10 HFCL, A, 161.90, -4.34 DATAPATTNS, A, 4184.95, -3.89 PERSISTENT, A, 4834.00, -1.98 ZEEL, A, 104.34, 1.25 JSWINFRA, A, 275.25, -1.13 AXISBANK, A, 1321.15, 0.50 TCS, A, 2131.75, -1.03 OFSS, A, 9251.00, -2.23 LENSKART, B, 502.40, 0.38 HSCL, A, 686.95, -0.93 SYNGENE, A, 452.10, -0.57 BHARTIARTL, A, 1788.30, 0.73 M&M, A, 3000.05, 1.63 NETWEB, A, 4081.00, -4.99 NIVABUPA, A, 83.34, -1.01 TEJASNET, A, 561.50, 1.95 IPCALAB, A, 1627.20, -0.43 PREMIERENE, A, 1059.35, -0.54 MUTHOOTFIN, A, 2882.85, -0.53 HOMEFIRST, A, 1022.75, -2.77 ADANIGREEN, A, 1454.70, -1.91 NHPC, A, 71.98, -0.96 LALPATHLAB, A, 1596.80, 1.67 ETERNAL, A, 237.25, -0.98 CARTRADE, A, 2346.80, -4.31 ATGL, A, 718.55, -1.43 NTPC, A, 351.45, -0.04 IDEA, A, 14.39, 3.75 WOCKPHARMA, A, 1920.45, 4.78 POWERGRID, A, 287.00, -0.09 LIQUIDBEES, F, 1000.00, 0.00 GROWW, B, 191.60, -0.05 GLAND, A, 2344.10, 3.36 KOTAKBANK, A, 395.95, 2.05 MFSL, A, 1563.70, -2.26 HDFCAMC, A, 2399.25, -1.84 ADANIPOWER, A, 216.05, -2.04 CMRGREEN, B, 243.40, -1.82 PINELABS, B, 145.70, -3.09 THERMAX, A, 4589.30, -2.33 BAJFINANCE, A, 871.40, -1.43 GOLDBEES, E, 119.70, -1.20 SILVERBEES, E, 222.33, 0.77 DIXON, A, 11382.50, -0.90 TDPOWERSYS, A, 1137.55, -1.15 SAFARI, A, 1518.00, -2.38 PARAS, A, 974.65, -6.39 APARINDS, A, 14717.00, 4.56 ADANIPORTS, A, 1795.50, -1.46 MRTX, MT, 344.05, 4.99 ITC, A, 282.15, -0.56 WIPRO, A, 176.60, -1.31 SANSERA, A, 2866.10, -0.64 HINDALCO, A, 1028.00, -1.05 ADANIENT, A, 2922.00, -0.27 JIOFIN, A, 227.55, -1.15 HCLTECH, A, 1107.95, -2.13 KAYNES, A, 3025.50, -1.57 BEL, A, 402.20, -1.53 ATHERENERG, B, 1019.95, -2.05 OIL, A, 428.75, 0.30 ADANIENSOL, A, 1480.00, -3.60 COHANCE, A, 422.10, -2.06 RVNL, A, 222.35, -2.56 CANBK, A, 130.65, -2.13 MARUTI, A, 13143.95, 0.52 KALYANKJIL, A, 330.80, -2.35 SYRMA, A, 1235.10, 0.67 MEESHO, B, 168.00, 1.14 BHEL, A, 370.95, -1.60 JAINREC, B, 308.40, -8.77 ONGC, A, 251.20, -0.28 TATASTEEL, A, 198.05, -0.50 TBOTEK, A, 1249.10, 1.48 COALINDIA, A, 445.60, -1.24 CROMPTON, A, 252.95, -0.71 SCI, A, 285.80, -0.64 ASMTEC, B, 3367.00, 2.84

16-20: 16) Simplex Castings (SIMPLEXCAS) — 0% → 4.9% ( 4.9%) | Auto Anc 17) Home First Finance (HOMEFIRST) — 40.8% → 45.7% ( 4.9%) | Housing Finance 18) Shaily Engineering (SHAILY) — 12% → 16.7% ( 4.7%) | Plastics 19) GRM Overseas (GRMOVER) — 4.9% → 9.5% ( 4.6%) | FMCG 20) BlackBuck (BLACKBUCK) — 28.3% → 32.5% ( 4.2%) | Logistics Home First already had 40% FII holding and they STILL added. That's conviction, not a discovery trade.

やっぱり他のお家の子もやるんですね🤣 Amazonで購入しました！ HomeFirst ソファーカバー 犬猫対策 北欧風 マルチカバーです☺️

Costs fell while headcount grew. That doesn't usually happen. At Home First Finance, cost-to-income compressed 330bps to 32.5% in FY26 — while adding 221 employees across the year and expanding to 171 branches (as at March '26). Opex-to-assets: 2.7%. Management guides FY27 opex-to-assets stays 2.6–2.7% (est.). That's the anchor. Watch: whether the south India push (Tamil Nadu Telangana) breaks the opex range in Q1 FY27. #HOMEFIRST