Date: 2nd September, 2026

KMP / Board / Auditor Changes

Not Specified

Dividend Declaration or Non-Declaration

Not Specified

Board Meeting Outcomes

Not Specified

Financial Results (Standalone & Consolidated)

Not Specified

Auditor’s Report

Not Specified

Disinvestment / Strategic Actions

Associate Company Stake:

  • The company holds a 31.85% stake in its associate, Repco Micro Finance Limited.
  • Repco Micro Finance Limited does not participate in the Business Responsibility initiatives of Repco Home Finance Limited.

Other Operational / Legal / Strategic Disclosures

General Disclosures & Corporate Identity:

  • Corporate Identity Number (CIN): L65922TN2000PLC044655
  • Year of Incorporation: 2000
  • Corporate Office: Third Floor, Alexander Square, Old No.34 & 35, New No.2, Sardar Patel Road, Guindy, Chennai – 600032
  • Reporting Financial Year: 01-04-2025 to 31-03-2026
  • Listed on: BSE Limited (BSE) and National Stock Exchange of India Limited (NSE)
  • Paid-up Capital: ₹62,56,13,620
  • Contact Person: Mr. Ankush Tiwari, Company Secretary & Compliance Officer (044-42106650, cs@repcohome.com)
  • Reporting Boundary: Standalone basis including all Branches and Corporate Office
  • BRSR Core Assurance: No independent assurance was undertaken for the BRSR Core.

Business Activities:

  • The company is a Non-Banking Financial Company - Housing Finance Company (NBFC-HFC).
  • Its main business activity (99.14% of turnover) is providing home loans for purchase/construction of houses, repairs & renovation, and loans against property (NIC Code: 64910).

Operations & Presence:

  • Number of Offices: 253 (National); Nil (International)
  • Pan-India presence spread across 12 States and 1 Union territory.
  • Markets Served: National (12 States and 1 Union Territory); International (Nil). Contribution of exports: Nil.
  • Customer Base: Services offered to all income groups, including salaried and non-salaried (self-employed) customers.

Employees:

  • Total Employees: 1,593
  • Permanent Employees: 1,384 (Male: 1,055, 76.23%; Female: 329, 23.77%)
  • Other than Permanent Employees: 209 (Male: 97, 46.41%; Female: 112, 53.58%)
  • Total Workers: Not Applicable (NA)
  • Differently Abled Employees: 1 (Permanent)
  • Board of Directors: 9 total, with 1 female (11.11% representation).
  • Key Management Personnel (KMP): 4 total, with 1 female (25% representation).
  • Employee Turnover Rate (Permanent Employees) for FY 2025-26: 21.95% (Male: 16.15%, Female: 5.8%)
  • Trends: FY 2024-25: 14.01% (Male: 12.5%, Female: 1.51%); FY 2023-24: 15.62% (Male: 11.2%, Female: 4.42%)

CSR Applicability:

  • CSR is applicable as per section 135 of the Companies Act, 2013.
  • Turnover: ₹1,795.79 Crores
  • Net Worth: ₹3,904.90 Crores

Grievance Redressal (FY 2025-26):

  • Communities: 0 complaints filed; 0 pending.
  • Investors (other than shareholders): 0 complaints filed; 0 pending.
  • Shareholders: 0 complaints filed; 0 pending. (FY 2024-25: 4 filed, 0 pending)
  • Employees and workers: 3 whistle-blower complaints filed; 0 pending. All closed by 31st March 2026.
  • Customers: 1,481 complaints filed; 6 pending at year-end. (FY 2024-25: 922 filed, 4 pending)
  • Value Chain Partners: 0 complaints filed; 0 pending.
  • Other (CSR projects): 0 complaints filed; 0 pending. (FY 2024-25: 6 filed, 0 pending)
  • Grievance Policy Links: Customer Grievance Redressal Policy (https://www.repcohome.com/grievances), Whistle Blower Policy (https://www.repcohome.com/policies-and-codes)

Material Responsible Business Conduct Issues:

The report identifies and details seven material issues:

1. Financial Inclusion (Opportunity and Risk): Opportunity in the underpenetrated housing finance market, especially semi-urban/rural areas. Risk from customers with non-documented income streams. Mitigation includes stringent credit appraisal, conservative LTV/II ratios, and data analytics for early NPA signals.

2. Corporate Governance (Opportunity): Strong practices ensure compliance, robust controls, and transparency.

3. Retention of Human Capital (Opportunity): Initiatives to reduce attrition and improve employee engagement.

4. Data Security (Opportunity and Risk): Critical to protect customer data. Mitigation includes data classification, PAM, PIM, DLP, and a 24x7 SOC with SIEM.

5. Enhancement in Digitization (Opportunity and Risk): End-to-end digitization of loan processes. Risk involves data security. Mitigation includes firewalls, encryption, VAPT, DMARC, and backup solutions.

6. Customer Experience (Risk and Opportunity): Focus on quality service. Mitigation includes prompt complaint resolution and ethical conduct.

7. Corporate Social Responsibility (CSR) (Opportunity): Strategic focus on Preventive Health Care, Promoting Education, and Rural Development.

Management & Process Disclosures:

  • The entity has policies covering all 9 NGRBC Principles, approved by the Board.
  • Policies extend to value chain partners.
  • Web-link to policies: https://www.repcohome.com/policies-and-codes
  • The highest authority for oversight is the Audit Committee, supervised by MD & CEO Mr. Thangappan Karunakaran (DIN: 09280701).
  • Sustainability issues are placed before the Audit Committee as required.
  • Policies are reviewed at least once every 3 years.
  • No independent external assessment of policies was carried out.

Principle-wise Performance Disclosure Highlights:

  • Principle 1 (Ethics): 1 training program on POSH covered 46.96% of employees. No fines/penalties paid. An anti-corruption policy is in place. No disciplinary actions for bribery/corruption.
  • Principle 2 (Sustainable Goods/Services): Not primarily applicable as a service company (NBFC-HFC). No sustainable sourcing, EPR, or life cycle assessments conducted.
  • Principle 3 (Employee Well-being):
  • 100% of permanent and other-than-permanent employees are covered by health insurance, accident insurance (permanent only), and maternity/paternity benefits as applicable.
  • Spending on employee well-being: ₹148.50 Cr (FY25) vs ₹119.92 Cr (FY24), constituting 8.27% and 7% of total revenue, respectively.
  • 100% employee coverage for PF, 12% for ESI (FY26).
  • Offices are accessible to differently-abled employees.
  • An equal opportunity policy is in place.
  • Return-to-work rate after parental leave: 100% for all genders.
  • A mechanism exists for employees to raise grievances (HR department, whistle-blower policy).
  • No safety incidents (LTIFR, injuries, fatalities) were reported.
  • Principle 4 (Stakeholder Interest): Key stakeholder groups identified include Customers, Board, Employees, Regulators, Lenders, Shareholders, Auditors, NGOs, Insurance Partners, DSAs, and Research Analysts. Engagement channels and frequencies are detailed for each.
  • Principle 5 (Human Rights):
  • No specific human rights training was provided.
  • 100% of employees are paid above minimum wage.
  • Median remuneration: Board (Male: ₹33.93L, Female: ₹31.35L), KMP (Male: ₹44.96L, Female: ₹57.15L), Other Employees (Male: ₹6.99L, Female: ₹5.75L).
  • Gross wages to females constituted 20.46% of total wages.
  • The GM-HR is the focal point for human rights issues.
  • A whistle-blower mechanism is the internal grievance redressal system.
  • Zero complaints were received across all human rights categories (sexual harassment, discrimination, child labour, etc.).
  • Zero complaints were upheld under the POSH Act.
  • Principle 6 (Environment):
  • Total Energy Consumption (FY26): ₹2.56 Cr (Non-renewable: ₹2.56 Cr; Renewable: Nil).
  • Total Water Consumption (FY26): 14,661.43 kilolitres (estimated based on employee count).
  • Water Intensity: 8.16 per rupee of turnover.
  • Zero water discharged.
  • Not identified as a Designated Consumer under the PAT scheme.
  • Air emissions, GHG emissions (Scope 1 & 2), and waste generation are reported as Nil or Not Applicable due to the nature of operations.
  • Compliant with applicable environmental laws.
  • A Business Continuity and Disaster Management Plan is in place.
  • Principle 7 (Public Policy): The company is not a member of any trade/industry chambers/associations.
  • Principle 8 (Inclusive Growth):
  • No Social Impact Assessments (SIA) or Rehabilitation & Resettlement (R&R) projects were undertaken.
  • Grievance mechanisms are in place for the community, investors, and employees.
  • Job creation: Wages paid by location (Rural: 3.73%, Semi-Urban: 3.5%, Urban: 62.52%, Metropolitan: 33.98% of total wage cost).
  • CSR Beneficiaries (FY26):
  • Eradicating hunger: 11,000 persons (100% vulnerable/marginalized).
  • Promoting education/healthcare: 6,158 persons (100% vulnerable/marginalized).
  • Women empowerment: 3,083 persons (100% vulnerable/marginalized).
  • Principle 9 (Responsible Consumer Engagement):
  • A detailed mechanism exists for receiving and responding to consumer complaints via branch, email (grievance@repcohome.com), phone, and post.
  • Grievances are monitored by the MD & CEO monthly and presented to the Board half-yearly.
  • In FY26, 1,481 customer complaints were received, with 6 pending at year-end.
  • No complaints were received on data privacy, advertising, cyber-security, etc.
  • No product recalls occurred.
  • A comprehensive Cyber Security Policy is in place.
  • Zero instances of data breaches were reported.

No material disclosures under the following sections: Dividend Declaration, Board Meeting Outcomes, Financial Results, Auditor’s Report, Media Release.