Repco Home Finance Ltd. · NSE:REPCOHOME
Repco Home Finance — Q1 FY27 Earnings Presentation
32 slides from Repco Home Finance's earnings presentation, Aug 11, 2026
Slide 1: Exchange filing cover letter for investor presentation
RHFL/SE/34/2026-27 11th August, 2026 National Stock Exchange of India Limited, BSE Limited Exchange Plaza, Phiroze Jeejeebhoy Towers Bandra Kurla Complex, Bandra (E) Dalal Street Mumbai-400 051 Mumbai- 400001 NSE Symbol: REPCOHOME BSE Security Code: 535322 Kind Attn: Listing Department Dear Sir/Mada
Slide 2: Earnings Presentation Q1FY27
Repco Home Finance Limited Earnings Presentation Q1FY27 www.repcohome.com Earnings Presentation August 2026
Slide 3: Agenda
Agenda Repco Home Finance Limited About Us MD & CEO Comments Board of Directors Q1FY27 Performance ► Business summary ► Financial performance ► Borrowing Profile ► Credit Rating Geographic Presence ► Footprint ► Region-wise loan book Annexure Earnings Presentation August 2026 2
Slide 4: About us
About us Repco Home Finance Limited Repco Home Finance Ltd (RHFL) is a professionally managed housing finance company head quartered in Chennai, Tamil Nadu. We were incorporated in April 2000. We are registered as a Housing Finance Company (HFC) with the National Housing Bank (NHB) The mission of RH
Slide 5: MD and CEO Comments on Quarter ended 30th June 2026
MD and CEO Comments on Quarter ended 30th June 2026 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q1 FY27. Loan sanctions stood at Rs. 938 crores in Q1 FY27 as against to Rs. 1320 crores in Q4 FY26 and Rs. 907 crores in Q1 FY26. Loan disbursements stood
Slide 6: Board of Directors
Board of Directors Repco Home Finance Limited Mr. C. Thangaraju Chairman, Non- Mr. E.Santhanam, Non-Executive Mr. B. Raj Kumar, Non-Executive Executive and Non-Independent Director and Non-Independent Director’ and Independent Director Mrs. Usha Ravi, Non-Executive and Mr. Mrinal Kanti Bhattacharya,
Slide 7: Q1 FY27 Performance
Repco Home Finance Limited Q1 FY27 Performance Earnings Presentation August 2026 6
Slide 8: Business Summary
Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 15,990 Cr Rs. 3,768 Crs Ratio 36.1% Average loan per unit Number of live accounts Network Rs. 14 Lakhs 1,15,063 242 GNPA – 2.7% ECL provision – 2.2% Earnings Presentation August 2026 7
Slide 9: Business performance momentum
Business performance momentum Repco Home Finance Limited Figures in Rs. crores 1,400 1,320 1,206 1,186 1,200 1,069 1,0871,064 1,000 907 938 829 843 800 600 400 200 - Q1 Q2 Q3 Q4 Q1 FY26 FY27 Sanctions Disbursements Earnings Presentation August 2026 8
Slide 10: Key Indicators – Q1FY27 vs Q1FY26
Key Indicators –Q1FY27 vs Q1FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q1FY27 938 843 216 3.4% 1.7% 10.2% Q1FY26 907 829 196 Operating Revenue PBT PAT Q1FY27 468 148 114 6.1% 1.3% 5.5% Q1FY26 441 146 108 Earnings Presentation August 2026 9
Slide 11: Key Indicators – Q1FY27 vs Q4FY26
Key Indicators – Q1FY27 vs Q4FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q1FY27 843 216 938 -28.9% -28.9% 4.3% Q4FY26 1320 1186 207 Operating Revenue PBT PAT Q1FY27 468 148 114 3.0% 0% -11.6% Q4FY26 454 148 129 Earnings Presentation August 2026
Slide 12: Portfolio Composition
Portfolio Composition Repco Home Finance Limited Figures in Rs crores Loan Book Net Owned Fund 18,000 4,000 15,880 15,990 3,768 16,000 3,800 14,690 3,634 3,600 14,000 3,401 3,400 12,000 3,200 10,000 3,000 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Loan book composition Mix of Loan Portfolio 100% 100%
Slide 13: Quarterly Profitability ratios (3M)
Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin Spread 6.0% 3.8% 3.6% 5.5% 5.4% 3.4% 5.5% 5.4% 3.5% 3.3% 5.0% 3.2% 4.5% 2.9% 4.0% 2.6% 3.5% 2.3% 3.0% 2.0% Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Return on Equity Return on Assets 18.0% 14.9% 4.0% 14.0% 3.4% 15.0%
Slide 14: Quarterly Performance Metrics (3M)
Quarterly Performance Metrics (3M) Repco Home Finance Limited Figures in Rs crores Income from Operations Net interest income 500 454 468 250 441 216 207 196 400 200 300 150 200 100 100 50 - - Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Net profit Sanctions and Disbursements 140 129 1,500 1,320 120 11
Slide 15: Quarterly Operating cost (3M)
Quarterly Operating cost (3M) Repco Home Finance Limited Figures in Rs crores Employee Cost Other Opex 50 30 44 26 25 25 40 25 34 28 20 30 15 20 10 10 5 0 0 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Cost to Income Ratio 40.0% 31.1% 30.0% 26.0% 24.3% 20.0% 10.0% 0.0% Q1FY26 Q4FY26 Q1FY27 Earnings Pre
Slide 16: Asset Quality
Asset Quality Repco Home Finance Limited 3.5% 3.30% 3.16% 2.92% 3.0% 2.67% 2.55% 2.5% 2.0% 1.5% 1.17% 1.23% 1.50% 1.0% 1.38% 1.19% 0.5% 0.0% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 GNPA NNPA Earnings Presentation August 2026 15
Slide 17: GNPA Movement
GNPA Movement Repco Home Finance Limited (%) 8.00% RBI Circular on NPA treatment* 7.00% 7% 6.00% 5.80% 5.00% COVID-19 WAVE 1 4.30% 4.00% 4.10% 3.70% De-monitzation 3.26% 3.00% 2.55% 2.60% 2.90% 3% 2.67% 2.00% 1.00% 0.00% * Circular No: RBI/2021-22/117 DOR.No.STR.REC.64/21.04.048/2021-22 Earnings Pre
Slide 18: Credit Cost
Credit Cost Repco Home Finance Limited % 2.5% 2.0% 1.9% 1.5% 1.0% 0.7% 0.4% 0.5% 0.2% 0.0% 0.0% FY21 FY22 FY23 FY24 FY25 FY26 FY27(3M) -0.5% -0.3% -0.2% Earnings Presentation August 2026 17
Slide 19: Product / Occupation mix wise GNPA(%)
Product / Occupation mix wise GNPA(%) Repco Home Finance Limited 4.0% 3.4% 3.3% 3.2% 3.0% 2.6% 2.7% 2.6% 2.6% 2.4% 2.5% 2.0% 1.0% 0.0% Home Loan Home Equity Overall Q1FY26 Q4FY26 Q1FY27 5.0% 4.6% 4.0% 3.5% 3.6% 3.3% 3.0% 2.6% 2.6% 1.9% 2.0% 1.6% 1.4% 1.0% 0.0% Salaried Non-Salaried Overall Q1FY26 Q4
Slide 20: ECL provision
ECL provision Repco Home Finance Limited Figures in Rs crores Jun’25 Mar’26 Jun’26 Gross Stage 3* 485 405 427 % portfolio in Stage 3 3.3% 2.6% 2.7% ECL provision - Stage 3 314 223 233 Net - Stage 3* 171 183 194 Coverage ratio - Stage 3 64.7% 54.9% 54.5% Gross Stage 1 & 2* 14204 15474 15564 % portfol
Slide 21: Stage-wise Movement
Stage-wise Movement Repco Home Finance Limited Figures in Rs. crores Jun’25 Mar’26 Jun’26 Particulars AUM % AUM % AUM % Stage-1 12784 87.0% 14359 90.4% 14411 90.1% Stage-2 1421 9.7% 1115 7.0% 1152 7.2% Stage-3 485 3.3% 405 2.6% 427 2.7% Grand Total 14690 100.0% 15880 100.00% 15990 100.0% Amounts hav
Slide 22: Breakup of Overdues
Breakup of Overdues Repco Home Finance Limited Figures in Rs. crores Stage-2 Stage-3 Particulars Total AUM AUM % of AUM AUM % of AUM Till March 2022* 5,268 686 13% 306 5.8% From April 2022* 10722 466 4.3% 121 1.1% Grand Total 15990 1152 7.2% 427 2.6% *Financial years categorised based on date of san
Slide 23: Borrowing profile
Borrowing profile Repco Home Finance Limited % change Source (Rs Crs) Average cost Q1FY26 Q4FY26 Q1FY27 (Y-o-Y) National Housing Bank 7.62% 934 758 748 -13% Commercial Banks 8.38% 9,096 10,440 10,474 13% Repco Bank 8.50% 907 659 581 -36% Commercial Paper 7.75% 139 148 74 100% PTC 7.75% - 85 77 100%
Slide 24: Credit Rating
Credit Rating Repco Home Finance Limited • Credit Rating as on 30th June 2026 Rating Agency Instrument Rating CARE Term Loan AA-/ Stable CARE Commercial Paper A1+ ICRA Term Loan AA-/ Stable Non- Convertible ICRA AA-/ Stable Debentures ICRA Commercial Paper A1+ Pass Through ICRA AAA (SO) Certificates
Slide 25: Geographic Presence
Repco Home Finance Limited Geographic Presence Earnings Presentation August 2026 24
Slide 26: Network
Network Repco Home Finance Limited Present in 12 states and 1 Union Territory with 210 branches and 32 satellite centers. Branch Network Additionally, we have 2 asset recovery branches. Presence beyond South: branches in Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, West Bengal, Odisha & Jh
Slide 27: Region-wise loan book
Region-wise loan book Repco Home Finance Limited Kerala, 2% Others, 5% Gujarat, 3% Telangana, 6% Andhra Pradesh, 6% Maharashtra, 10% Tamil Nadu, 57% Karnataka, 12% Exposure Annualised Growth States Jun-25 Mar-26 Jun-26 Y-o-Y Q-o-Q Tamil Nadu 56.4% 57.4% 57.3% 10% 1% Karnataka 12.9% 11.7% 11.4% 0% -2
Slide 28: Annexure
Repco Home Finance Limited Annexure Earnings Presentation August 2026 27
Slide 29: Shareholding pattern
Shareholding pattern Repco Home Finance Limited Outstanding shares – 6.26 Cr Foreign Portfolio NRIs, 1.6% Others, 1.5% Investors, 12.4% Major Non-Promoter Shareholders % Alternative Investment Funds, 0.4% Bandhan Small Cap Fund 9.8% Promoters, 37.1% ICICI Prudential Banking and Financial Services Fu
Slide 30: Profit and loss statement (3M)
Profit and loss statement (3M) Repco Home Finance Limited Figures in Rs crores (Rs. crore) Q1FY27 Q4FY26 QOQ (%) Q1FY26 YoY (%) Income: Revenue from operations 468 453 3% 440 6% Other income 0 1 -69% 1 -55% Total Income 468 454 3% 441 6% Expenses: Interest and other financial charges 251 247 2% 244
Slide 31: Relative performance (3M)
Relative performance (3M) Repco Home Finance Limited Particulars Units Q1FY26 Q4FY26 Q1FY27 Sanctions Rs. Cr 907 1,320 938 Disbursements Rs. Cr 829 1,186 843 Net interest income Rs. Cr 196 207 216 PAT Rs. Cr 108 *129 114 NIM % 5.4 5.5 5.4 Yield on assets % 12 12 11.7 Cost of Borrowings % 8.7 8.4 8.3
Slide 32: For any queries, please contact
Repco Home Finance Limited For any queries, please contact: Mr. Ankush Tiwari Company Secretary and Compliance Officer Repco Home Finance Limited Phone: +91 44 42106650 Email: [email protected] Safe Harbor: This presentation may have certain statements that may be “forward looking” including those re