Summary of Key Information:

Reporting Period (Quarter/Year): Quarter and Half Year ended September 30, 2026 (Q2 FY27, H1 FY27)

Nature of Filing / Announcement: Outcome of Board Meeting, Submission of Unaudited Standalone and Consolidated Financial Results

Date of Board Meeting / Approval: November 05, 2026 (Meeting time: 2:30 PM to 5:50 PM)

Audit Opinion: Unmodified opinion (Clean) for the limited review of unaudited results

Auditor’s Comment: Emphasis of Matter regarding non-recognition of Deferred Tax Liability on Special Reserve created under Section 36(1)(viii) of Income Tax Act, 1961

Key Financial Highlights [₹ in crores]

Standalone Results:

Revenue from Operations:

  • Q2 FY27: ₹481.20 vs Q2 FY26: ₹445.08 (8.1% YoY increase)
  • H1 FY27: ₹948.90 vs H1 FY26: ₹885.34 (7.2% YoY increase)

Total Income:

  • Q2 FY27: ₹481.54 vs Q2 FY26: ₹445.69 (8.0% YoY increase)
  • H1 FY27: ₹949.44 vs H1 FY26: ₹886.39 (7.1% YoY increase)

Net Profit:

  • Q2 FY27: ₹115.86 vs Q2 FY26: ₹106.94 (8.3% YoY increase)
  • H1 FY27: ₹230.01 vs H1 FY26: ₹214.89 (7.0% YoY increase)

EPS (not annualized):

  • Basic & Diluted Q2 FY27: ₹18.52 vs Q2 FY26: ₹17.09
  • Basic & Diluted H1 FY27: ₹36.76 vs H1 FY26: ₹34.35

Other Equity:

  • As of September 30, 2026: ₹4,218.36
  • As of March 31, 2026: ₹3,842.34

Cash and Cash Equivalents:

  • As of September 30, 2026: ₹287.19
  • As of March 31, 2026: ₹296.39

Debt:

  • Debt securities: ₹273.22
  • Borrowings (other than debt securities): ₹12,615.79
  • Total debt: ₹12,889.01

Consolidated Results:

Revenue from Operations:

  • Q2 FY27: ₹477.41 vs Q2 FY26: ₹441.29 (8.2% YoY increase)
  • H1 FY27: ₹945.11 vs H1 FY26: ₹881.55 (7.2% YoY increase)

Total Income:

  • Q2 FY27: ₹477.75 vs Q2 FY26: ₹441.90 (8.1% YoY increase)
  • H1 FY27: ₹945.65 vs H1 FY26: ₹882.60 (7.1% YoY increase)

Net Profit (after tax and share of profit from associate):

  • Q2 FY27: ₹119.09 vs Q2 FY26: ₹109.66 (8.6% YoY increase)
  • H1 FY27: ₹240.71 vs H1 FY26: ₹224.80 (7.1% YoY increase)

EPS (not annualized):

  • Basic & Diluted Q2 FY27: ₹19.04 vs Q2 FY26: ₹17.53
  • Basic & Diluted H1 FY27: ₹38.48 vs H1 FY26: ₹35.93

Other Equity:

  • As of September 30, 2026: ₹4,071.83
  • As of March 31, 2026: ₹3,978.17

Segment-wise Performance [₹ in crores]:

The company operates primarily in one reportable segment: "Housing related finance"

Segment Revenue - Housing related finance:

  • Q2 FY27: ₹477.75 vs Q2 FY26: ₹441.90
  • H1 FY27: ₹945.65 vs H1 FY26: ₹882.60

Segment Results - Housing related finance:

  • Q2 FY27: ₹112.07 vs Q2 FY26: ₹103.15
  • H1 FY27: ₹226.22 vs H1 FY26: ₹211.10

Other segment (Repco Micro Finance Limited - Associate):

  • Q2 FY27 profit: ₹7.02
  • H1 FY27 profit: ₹14.49

Corporate Actions:

Dividend: Declared interim dividend of ₹5.00 (50%) per equity share of face value ₹10.00 each for financial year 2026-27

Record Date: Friday, November 13, 2026

Other Significant Information:

Special Reserve Accounting: Company reversed deferred tax expense of ₹14.40 crores recognized in FY 2025-26 (till December 2025) through Statement of Profit and Loss for quarter ended March 31, 2026, citing no intention of utilization of Special Reserve created u/s 36(1)(viii) of Income Tax Act, 1961

Related Party Transactions: Disclosed various transactions including remuneration to key management personnel, dividends from associate, loans from promoter bank, and reimbursements

Asset Quality (Standalone):

  • Gross NPA: 3.07% (2.42% excluding interest accrued and EIR adjustments)
  • Net NPA: 1.49% (0.83% excluding interest accrued and EIR adjustments)
  • PCR: 52.03%
  • LCR: 289.81%

Key Ratios (Standalone H1 FY27):

  • Debt Equity Ratio: 3.10
  • Net Worth: ₹4,134.39
  • Net Profit After Tax: ₹230.01
  • Net Profit Margin: 24.23%
  • Total Debts to Total Assets: 0.75