Repco Home Finance Ltd
NSE:REPCOHOME

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Repco Home Finance Ltd
NSE:REPCOHOME
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Price: 423.25 INR -1.5%
Market Cap: 26.5B INR

Repco Home Finance Ltd
Investor Relations

Repco Home Finance Ltd. is a housing finance company, which engages in the provision of long term loan financing for acquisition and construction of residential purposes. The company is headquartered in Chennai, Tamil Nadu and currently employs 898 full-time employees. The company went IPO on 2013-04-01. The company is engaged in financing the purchase and construction of houses. Its segments include individual home loans and loans against property (LAP). The company provides a variety of home loan products to individual borrowers in both salaried and non-salaried. Its products include Dream Home Loan, Home Makeover Loan, Plot loan, non-resident Indian (NRI), Housing Loan, Prosperity loan New Horizon Loan, Commercial Real Estate (CRE) Loan, and Composite Loan. The company provides Repco special loans, such as Fifty Plus Loan, Super Loan, Repco Bonanza 2020, Repco Nivaran 2020, and Repco Privilege Loan (Takeover/ BT + Top-up Loan). The company operates through 155 branches and 24 satellite centers. Its retail network is spread across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry.

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Last Earnings Call
Fiscal Period
Q2 2026
Call Date
Nov 13, 2025
AI Summary
Q2 2026

Record Disbursements: Repco Home Finance achieved its highest-ever quarterly disbursement at INR 1,069 crores in Q2 FY '26, surpassing the INR 1,000 crore mark for the first time.

Loan Growth: Loan book grew to INR 15,033 crores, up 8% year-on-year, with management targeting INR 16,200 crores AUM by FY '26-end.

Asset Quality: GNPA reduced to INR 475 crores (3.16%), with further reductions targeted for coming quarters; Stage 2 assets also declined.

Profitability Metrics: Net profit was INR 107 crores, NIM at 5.5%, ROA at 2.9%, and ROE at 13.5% for Q2 FY '26.

Cost Control: Cost-to-income ratio was 28.4%, with some one-off expenses from silver jubilee celebrations and employee incentives.

Guidance Maintained: Management reiterated guidance for AUM, disbursements, and asset quality, aiming for further growth and improved profitability.

Funding & Cost of Funds: INR 6,000 crores of floating-rate bank borrowings are due for repricing, expected to lower cost of funds by 10–15 bps over the next two quarters.

Key Financials
Disbursements
INR 1,069 crores
Sanctions
INR 1,206 crores
Loan Book (AUM)
INR 15,033 crores
Gross NPA
INR 475 crores (3.16%)
Net NPA
INR 225 crores (1.50%)
Stage 2 Assets
INR 1,323 crores
Net Profit
INR 107 crores
Net Interest Margin (NIM)
5.5%
Spread
3.4%
Yield on Advances
12.1%
ROA
2.9%
ROE
13.5%
Cost-to-Income Ratio
28.4%
Provision Coverage Ratio (Stage 3)
52.5%
Home Loan Yield
11.17%
Non-Home Loan Yield
13.55%
Branches
234 touchpoints (203 branches, 31 satellites)
Other Earnings Calls

Management

Mr. Swaminathan Kuppuswamy
CEO, MD & Director
No Bio Available
Mr. Ankush Tiwari
Company Secretary & Chief Compliance Officer
No Bio Available
Mr. T. Karunakaran
Chief Operating Officer
No Bio Available
Mr. D. Premchander
Chief Technology Officer
No Bio Available
Mr. K. Pandiarajan
Chief Information Officer
No Bio Available
Bala S
Investor Relations Officer
No Bio Available
Ms. Shanthi Srikanth A.C.A., A.C.S., B.Com.
Chief Risk Officer
No Bio Available
Mr. Vaidyanathan Iyer
Head of Internal Audit
No Bio Available
Mr. P.K. Vaidyanathan
Chief Development Officer
No Bio Available
Mr. M. Raja
Chief Business Officer
No Bio Available

Contacts

Address
TAMIL NADU
Chennai
Third Floor, Alexander Square,, Old No.34 & 35, New No.2,, Sardar Patel Road,
Contacts
+914442106650
www.repcohome.com