Repco Home Finance Limited

Financial Performance - Q2 FY27 vs Q2 FY26

  • Loans sanctions: ₹1,359 crores in Q2 FY27 vs ₹1,205 crores in Q2 FY26 (12.7% growth)
  • Loan disbursements: ₹1,205 crores in Q2 FY27 vs ₹1,069 crores in Q2 FY26 (12.7% growth)
  • Total income: ₹481 crores in Q2 FY27 vs ₹445 crores in Q2 FY26 (8% growth)
  • Net interest income: ₹220 crores in Q2 FY27 vs ₹200 crores in Q2 FY26 (10% growth)
  • Net profit: ₹116 crores in Q2 FY27 vs ₹107 crores in Q2 FY26
  • Loan spread: 3.7% in Q2 FY27
  • Return on assets: 2.9% in Q2 FY27 vs 2.9% in Q2 FY26
  • Return on equity: 12.6% in Q2 FY27 vs 13.5% in Q2 FY26

Financial Performance - Q2 FY27 vs Q1 FY27

  • Loans sanctions: ₹1,359 crores in Q2 FY27 vs ₹938 crores in Q1 FY27 (44.8% growth)
  • Loan disbursements: ₹1,205 crores in Q2 FY27 vs ₹843 crores in Q1 FY27 (43% growth)
  • Total income: ₹481 crores in Q2 FY27 vs ₹468 crores in Q1 FY27 (2.7% growth)
  • Net interest income: ₹220 crores in Q2 FY27 vs ₹216 crores in Q1 FY27
  • Net profit: ₹116 crores in Q2 FY27 vs ₹114 crores in Q1 FY27
  • Return on assets: 2.9% in Q2 FY27 vs 2.9% in Q1 FY27
  • Return on equity: 12.6% in Q2 FY27 vs 12.7% in Q1 FY27

Financial Performance - H1 FY27 vs H1 FY26

  • Loans sanctions: ₹2,297 crores in H1 FY27 vs ₹2,112 crores in H1 FY26 (9% growth)
  • Loan disbursements: ₹2,048 crores in H1 FY27 vs ₹1,898 crores in H1 FY26 (8% growth)
  • Total income: ₹949 crores in H1 FY27 vs ₹885 crores in H1 FY26 (7.2% growth)
  • Net interest income: ₹436 crores in H1 FY27 vs ₹397 crores in H1 FY26
  • Net profit: ₹230 crores in H1 FY27 vs ₹215 crores in H1 FY26
  • Return on assets: 2.9% in H1 FY27 vs 2.9% in H1 FY26
  • Return on equity: 12.5% in H1 FY27 vs 13.6% in H1 FY26
  • Loan spread: 3.5% in H1 FY27 vs 3.3% in H1 FY26

Loan Book Composition (as of September 30, 2026)

  • Total loan book: ₹16,425 crores (vs ₹15,033 crores a year ago - 9.2% growth)
  • AUM as of June 30, 2026: ₹15,990 crores
  • Customer segment: Non-salaried 53.6%, Salaried 46.4%
  • Product mix: Housing loans 71%, Home Equity products 29%
  • 100% retail loans

Asset Quality

  • Gross NPA: ₹398 crores as of September 30, 2026 (vs ₹475 crores Sep 2025, ₹427 crores Jun 2026)
  • Net NPA: ₹135 crores as of September 30, 2026 (vs ₹225 crores Sep 2025, ₹194 crores Jun 2026)
  • GNPA ratio: 2.4% (vs 3.1% Sep 2025)
  • NNPA ratio: 0.8% (vs 1.5% Sep 2025)
  • Expected credit loss provisions: ₹353 crores (2.1% of total loan assets)
  • Stage-3 assets coverage ratio: 66%

Capital Adequacy

  • Capital adequacy ratio: 37% (significantly above regulatory minimum requirement of 15%)

Distribution Network

  • Total network: 210 branches and 32 satellite centers
  • Geographic presence: Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, Gujarat, West Bengal, Madhya Pradesh, Jharkhand, Rajasthan, and Union Territory of Puducherry

Additional Information

  • Financial results prepared as per Indian Accounting Standards (IND AS)
  • Company promoted by REPCO Bank - Government of India Enterprise
  • Contact: Mr. Ankush Tiwari, Company Secretary and Compliance Officer