Why Subscribe To Home First Finance Company IPO? HFFC is a technology driven affordable housing finance company targeting first time home buyers in the low and middle-income groups. Home First Finance Company is a niche HFC with an AUM of `3,730 cr as of 1HFY21. It focuses on the affordable housing segment for salaried/self-employed segments in tier 2-5 towns, with largest exposures in Gujarat, Maharashtra and Tamil Nadu. The key advantages for HFFC are small size and niche positioning which sets it up for growth as well as provides pricing power in its customer base, its ability to leverage technology for better service delivery, funding availability with competitive cost of funds, strong parentage and high capitalisation (Tier 1 CAR of 50.4% as of 1HFY21).