Repco Home Finance Ltd. · NSE:REPCOHOME
Repco Home Finance — Q3 FY26 Earnings Presentation
38 slides from Repco Home Finance's earnings presentation, Feb 5, 2026
Slide 1: Exchange filing cover letter for investor presentation
RHFL/SE/97/2025-26 5th February, 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/Mad
Slide 2: Earnings Presentation Q3FY26
Repco Home Finance Limited Earnings Presentation Q3FY26 www.repcohome.com Earnings Presentation February 2026
Slide 3: Agenda
Agenda Repco Home Finance Limited ◆ About Us ◆ MD & CEO Comments ◆ Board of Directors ◆ Q3FY26 Performance ► Business summary ► Financial performance ► Borrowing Profile ► Credit Rating ◆ Geographic Presence ► Footprint ► Region-wise loan book ◆ Annexure Earnings Presentation February 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 31st December 2025
MD and CEO Comments on Quarter ended 31st December 2025 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q3 FY26. Loans sanctions stood at Rs.1,087 crores in Q3 FY26 as against to Rs. 806 crores in Q3 FY25 and Rs. 1,206 crores in Q2 FY26. Loan disbursements
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: Q3FY26 Performance
Repco Home Finance Limited Q3FY26 Performance Earnings Presentation February 2026 6
Slide 8: Business Summary
Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 15,394 Cr Rs. 3,574 Cr Ratio 37.22% Average loan per unit Number of live accounts Network Rs. 13 Lakhs 1,13,939 236 GNPA – 2.92% ECL provision – 2.3% Earnings Presentation February 2026 7
Slide 9: Business performance momentum
Business performance momentum Repco Home Finance Limited Figures in Rs. crores 1,206 1,200 1,087 1,059 1,069 1,064 975 1,000 907 806 829 761 800 600 400 200 - Q3 Q4 Q1 Q2 Q3 FY25 FY26 Sanctions Disbursements Earnings Presentation February 2026 8
Slide 10: Key Indicators – Q3FY26 vs Q3FY25
Key Indicators – Q3FY26 vs Q3FY25 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income* Q3FY26 1,087 1,064 208 35% 40% 5% Q3FY25 806 198* 761 Operating Revenue PBT PAT Q3FY26 457 149 109 3% 3% 2% Q3FY25 445* 144 107 Earnings Presentation February 2026 * Figur
Slide 11: Key Indicators – Q3FY26 vs Q2FY26
Key Indicators – Q3FY26 vs Q2FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q3FY26 1,087 1,064 208 -10% -1% 4% Q2FY26 1,206 1,069 201 Operating Revenue PBT PAT Q3FY26 457 149 109 3% 5% 2% Q2FY26 445 142 107 Earnings Presentation February 2026 10
Slide 12: Portfolio Composition
Portfolio Composition Repco Home Finance Limited Figures in Rs crores Loan Book Net Owned Fund 15,033 15,394 4,000 3,574 15,000 3,464 14,155 3,500 2,980 14,000 3,000 2,500 13,000 2,000 12,000 1,500 1,000 11,000 500 10,000 - Dec'24 Sep'25 Dec'25 Dec'24 Sep'25 Dec'25 Loan book composition Mix of Loan
Slide 13: Profitability ratios (9M)
Profitability ratios (9M) Repco Home Finance Limited Net Interest Margin* Spread* 6.0% 4.0% 5.5% 3.7% 5.4% 5.5% 3.5% 3.4% 5.0% 4.5% 3.0% 4.0% 2.5% 3.5% 2.0% 3.0% Dec'24 Dec'25 Dec'24 Dec'25 Return on Equity Return on Assets 20.0% 3.5% 3.1% 2.9% 15.6% 3.0% 16.0% 13.2% 2.5% 12.0% 2.0% 1.5% 8.0% 1.0% 4
Slide 14: Performance Metrics (9M)
Performance Metrics (9M) Repco Home Finance Limited Figures in Rs crores Income from Operations* Net interest income* 620 1,600 605 1,288 1,342 1,400 600 1,200 580 568 1,000 800 560 600 540 400 520 200 - 500 Dec'24 Dec'25 Dec'24 Dec'25 Net profit Sanctions and Disbursements 350 324 324 3,199 2,962 3
Slide 15: Operating cost (9M)
Operating cost (9M) Repco Home Finance Limited Figures in Rs crores Employee Cost Other Opex 120 90 84 104 80 100 70 64 86 80 60 50 60 40 40 30 20 20 10 0 0 Dec'24 Dec'25 Dec'24 Dec'25 Cost to Income Ratio 30.0% 27.9% 25.4% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Dec'24 Dec'25 Earnings Presentation Febr
Slide 16: Quarterly Profitability ratios (3M)
Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin* Spread* 6.0% 5.7% 5.6% 4.5% 5.5% 5.5% 3.9% 4.0% 3.8% 5.0% 3.5% 3.5% 4.5% 3.0% 4.0% 3.5% 2.5% 3.0% 2.0% Q3FY25 Q2FY26 Q3FY26 Q3FY25 Q2FY26 Q3FY26 Return on Equity Return on Assets 16.0% 14.6% 3.5% 3.1% 13.5% 13.3% 2.9
Slide 17: Quarterly Performance Metrics (3M)
Quarterly Performance Metrics (3M) Repco Home Finance Limited Figures in Rs crores Income from Operations* Net interest income* 250 500 445 445 457 208 198 201 200 400 150 300 200 100 100 50 - - Q3FY25 Q2FY26 Q3FY26 Q3FY25 Q2FY26 Q3FY26 Net profit Sanctions and Disbursements 120 107 107 109 100 1,50
Slide 18: Quarterly Operating cost (3M)
Quarterly Operating cost (3M) Repco Home Finance Limited Figures in Rs crores Employee Cost Other Opex 45 42 * 35 32 40 30 34 26 35 25 29 25 30 25 20 20 15 15 10 10 5 5 0 0 Q3FY25 Q2FY26 Q3FY26 Q3FY25 Q2FY26 Q3FY26 * The hike in the employee cost in Q3 FY26 is due to Cost to Income Ratio provision o
Slide 19: Asset Quality
Asset Quality Repco Home Finance Limited 3.9% 3.3% 3.3% 3.2% 2.9% 1.5% 1.4% 1.5% 1.3% 1.2% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 GNPA NNPA Earnings Presentation February 2026 18
Slide 20: GNPA Movement
GNPA Movement Repco Home Finance Limited (%) RBI Circular on NPA treatment* 8.00% And COVID – 19 Wave II 7.00% 7% 6.00% 5.80% 5.00% COVID-19 Wave - I 4.30% 4.00% 4.10% 3.70% Demonetisation 2.90% 3.26% 3.00% 3% 2.92% 2.60% 2.00% 1.50% 1.30% 1.00% 1.30% 0.00% FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY
Slide 21: Credit Cost
Credit Cost Repco Home Finance Limited % 2.5% 1.9% 2.0% 1.5% 1.0% 0.7% 0.5% 0.4% 0.5% 0.0% -0.3% -0.2% 0.0% FY20 FY21 FY22 FY23 FY24 FY25 FY26 (9M) -0.5% Earnings Presentation February 2026 20
Slide 22: Product / Occupation mix wise GNPA(%)
Product / Occupation mix wise GNPA(%) Repco Home Finance Limited 3.9% 3.9% 4.0% 3.7% 3.2% 3.1% 3.2% 3.0% 2.9% 3.0% 2.7% 2.0% 1.0% 0.0% Home Loan Home Equity Overall Q3FY25 Q2FY26 Q3FY26 6.0% 5.5% 5.0% 4.4% 4.1% 3.9% 4.0% 3.2% 2.9% 3.0% 2.0% 1.8% 2.0% 1.6% 1.0% 0.0% Salaried Non-Salaried Overall Q3FY
Slide 23: ECL provision
ECL provision Repco Home Finance Limited Figures in Rs crores Dec'24 Sep’25 Dec'25 Gross Stage 3* 546 475 450 % portfolio in Stage 3 3.9% 3.2% 2.9% ECL provision - Stage 3 337 250 237 Net - Stage 3* 209 225 213 Coverage ratio - Stage 3 62% 53% 53% Gross Stage 1 & 2* 13,609 14,558 14,945 % portfolio
Slide 24: Stage-wise Movement
Stage-wise Movement Repco Home Finance Limited Figures in Rs. crores Dec'24 Sep’25 Dec'25 Particulars AUM % AUM % AUM % Stage-1 12,114 85.6% 13,235 88.0% 13,710 89.1% Stage-2 1,495 10.6% 1,324 8.8% 1,235 8.0% Stage-3 546 3.9% 475 3.2% 450 2.9% Grand Total 14,155 100.0% 15,033 100.0% 15,394 100.00% A
Slide 25: 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* 5,856 805 13.7% 340 5.8% From April 2022* 9,538 430 4.5% 109 1.1% Grand Total 15,394 1,235 8.0% 449 2.9% *Financial years categorised based on date of
Slide 26: Borrowing profile
Borrowing profile Repco Home Finance Limited % change Source (Rs Crs) Average cost Q3FY25 Q2FY26 Q3FY26 (Y-o-Y) National Housing Bank 8.00% 946 799 829 -12% Commercial Banks 8.46% 9,105 9,751 9,893 9% Repco Bank 8.75% 1,027 805 810 -21% Commercial Paper 8.38% - 142 145 100% PTC 7.75% - - 93 100% Tot
Slide 27: Movement in borrowing cost
Movement in borrowing cost Repco Home Finance Limited 8.9% 8.8% 8.8% 8.8% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.7% 8.6% 8.6% 8.6% 8.6% 8.6% 8.6% 8.5% 8.5% 8.5% 8.5% 8.5% 8.4% 8.3% 8.2% Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25
Slide 28: Credit Rating
Credit Rating Repco Home Finance Limited • Credit Rating as on 31st December 2025 Rating Agency Instrument Rating CARE Term Loan AA-/ Stable CARE Commercial Paper A1+ ICRA Term Loan AA-/ Stable ICRA Non- Convertible AA-/ Stable Debentures ICRA Commercial Paper A1+ ICRA Pass Through AAA for senior tr
Slide 29: Geographic Presence
Repco Home Finance Limited Geographic Presence Earnings Presentation February 2026 28
Slide 30: Network
Network Repco Home Finance Limited Branch Network ◆ Present in 12 states and 1 Union Territory with 205 branches and 31 satellite centers. ◆ Additionally, we have 2 asset recovery branches. ◆ Presence beyond South: branches in Maharashtra, Gujarat, Rajasthan, Madhya 7 Pradesh, West Bengal, Odisha &
Slide 31: Region-wise loan book
Region-wise loan book Repco Home Finance Limited Others, 5% Kerala, 2% Gujarat, 3% Telangana, 6% Andhra Pradesh, 6% Maharashtra, 10% Tamil Nadu, 57% Karnataka, 12% Exposure Annualised Growth States Dec-24 Sep-25 Dec-25 Y-o-Y Q-o-Q Tamil Nadu 56.6% 57.1% 57.3% 9% 10% Karnataka 12.7% 12.3% 12.1% 3% 3%
Slide 32: Annexure
Repco Home Finance Limited Annexure Earnings Presentation February 2026 31
Slide 33: Shareholding pattern
Shareholding pattern Repco Home Finance Limited Outstanding shares – 6.26 Cr Major Non-Promoter Shareholders % Foreign PortfolioNRIs, 1.5% Others, 1.6% Investors, 12.7% Alternative Bandhan Small Cap Fund 6.5% Investment Funds, 0.1% ICICI Prudential Banking and Financial Services Fund 4.0% Promoters,
Slide 34: Profit and loss statement (3M)
Profit and loss statement (3M) Repco Home Finance Limited Figures in Rs crores (Rs. crores) Q3FY26 Q2FY26 QOQ (%) Q3FY25 YoY (%) Income: Revenue from operations 457 445 3% 445 3% Other income 0 1 -67% 0 -17% Total Income 457 446 3% 445 3% Expenses: Interest and other financial charges 249 244 2% 248
Slide 35: Profit and loss statement (9M)
Profit and loss statement (9M) Repco Home Finance Limited Figures in Rs crores (Rs. crores) Dec'25 Dec'24 YoY (%) Income: Revenue from operations 1,342 1,288 4% Other income 1 2 -30% Total Income 1,344 1,290 4% Expenses: Interest and other financial charges 737 720 2% Employee benefit expense 104 86
Slide 36: Relative performance (3M)
Relative performance (3M) Repco Home Finance Limited Particulars Units Q3FY25 Q2FY26 Q3FY26 Sanctions Rs. Cr 806 1,206 1,087 Disbursements Rs. Cr 761 1,069 1,064 Net interest income* Rs. Cr 198 201 208 PAT Rs. Cr 107 107 109 NIM* % 5.7 5.5 5.6 Yield on assets* % 12.9 12.1 12.3 Cost of Borrowings % 8
Slide 37: Relative performance (9M)
Relative performance (9M) Repco Home Finance Limited Particulars Units Dec'24 Dec'25 Sanctions Rs. Cr 2,460 3,199 Disbursements Rs. Cr 2,309 2,962 Net interest income* Rs. Cr 568 605 PAT Rs. Cr 324 324 NIM* % 5.5 5.4 Yield on assets* % 12.5 12.0 Cost of Borrowings % 8.7 8.6 Spread* % 3.7 3.4 Return
Slide 38: 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: cs@repcohome.com Safe Harbor: This presentation may have certain statements that may be “forward looking” including those re