Repco Home Finance Ltd. · NSE:REPCOHOME
Repco Home Finance — Q1 FY26 Earnings Presentation
33 slides from Repco Home Finance's earnings presentation, Aug 7, 2025
Slide 1: Exchange filing cover letter for investor presentation
RHFL/SE/38/2025-26 7th August, 2025 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/Madam
Slide 2: Earnings Presentation Q1FY26
Repco Home Finance Limited Earnings Presentation Q1FY26 www.repcohome.com Earnings Presentation August 2025
Slide 3: Agenda
Agenda Repco Home Finance Limited ◆ About Us ◆ MD & CEO Comments ◆ Board of Directors ◆ Q1FY26 Performance ► Business summary ► Financial performance ► Borrowing Profile ► Credit Rating ◆ Geographic Presence ► Footprint ► Region-wise loan book ◆ Annexure Earnings Presentation August 2025 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 2025
MD and CEO Comments on Quarter ended 30th June 2025 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q1 FY26. Loans sanctions stood at Rs. 9,066 millions in Q1 FY26 as against to Rs. 7,272 millions in Q1 FY25 and Rs. 10,589 millions in Q4 FY25. Loan disburs
Slide 6: Board of Directors
Board of Directors Repco Home Finance Limited Mr. C. Thangaraju Chairman, Mr. E.Santhanam Non- Mr. Mrinal Kanti Bhattacharya Mr. B. Raj Kumar Non- Non-Executive and Non- Executive and Non- Non-Executive and Executive and Independent Director Independent Director Independent Director Independent Dire
Slide 7: Q1FY26 Performance
Repco Home Finance Limited Q1FY26 Performance Earnings Presentation August 2025 6
Slide 8: Business Summary
Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 146,899 Mn Rs. 34,015 Mn Ratio 38.69% Average loan per unit Number of live accounts Employee strength Rs. 1.31 Mn 112,207 1519 GNPA – 3.30% ECL provision – 2.8% Earnings Presentation August 2025
Slide 9: Business performance momentum
Business performance momentum Repco Home Finance Limited Figures in Rs million 12,000 10,589 9,754 10,000 9,264 9,066 8,672 8,289 8,064 8,000 7,272 7,613 6,804 6,000 4,000 2,000 - Q1 Q2 Q3 Q4 Q1 FY25 FY26 Sanctions Disbursements Earnings Presentation August 2025 8
Slide 10: Key Indicators – Q1FY26 vs Q1FY25
Key Indicators – Q1FY26 vs Q1FY25 Repco Home Finance Limited Figures in Rs million Sanctions Disbursements Net Interest Income Q1FY26 9,066 8,289 1,914 25% 22% 9% Q1FY25 7,272 1,749 6,804 Operating Revenue PBT PAT Q1FY26 4,355 1,463 1,080 7% 7% 2% Q1FY25 4,078 1,366 1,054 Earnings Presentation Aug
Slide 11: Key Indicators – Q1FY26 vs Q4FY25
Key Indicators – Q1FY26 vs Q4FY25 Repco Home Finance Limited Figures in Rs million Sanctions Disbursements Net Interest Income Q1FY26 9,066 8,289 1,914 -14% -15% 6% Q4FY25 10,589 9,754 1,804 Operating Revenue PBT PAT Q1FY26 4,355 1,463 1,080 2% -5% -6% Q4FY25 4,262 1,541 1,149 Earnings Presentation
Slide 12: Portfolio Composition
Portfolio Composition Repco Home Finance Limited Figures in Rs million Loan Book Net Owned Fund 1,60,000 1,46,899 1,44,918 34,015 1,37,011 35,000 32,945 1,40,000 30,000 27,709 1,20,000 25,000 1,00,000 20,000 80,000 15,000 60,000 10,000 40,000 20,000 5,000 June'24 Mar'25 June'25 June'24 Mar'25 June'2
Slide 13: Quarterly Profitability ratios (3M)
Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin Spread 3.6% 5.5% 3.4% 5.1% 5.2% 5.2% 3.4% 3.3% 3.3% 5.0% 3.2% 3.0% 4.5% 2.8% 4.0% 2.6% 2.4% 3.5% 2.2% 3.0% 2.0% Q1FY25 Q4FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY26 Return on Equity Return on Assets 18.0% 16.3% 15.4% 3.5% 3.3% 1
Slide 14: Performance Metrics (3M)
Performance Metrics (3M) Repco Home Finance Limited Figures in Rs million Income from Operations Net interest income 5,000 2,100 4,355 1,914 4,500 4,262 1,804 4,078 1,900 1,749 4,000 1,700 3,500 3,000 1,500 2,500 1,300 2,000 1,100 1,500 900 1,000 500 700 - 500 Q1FY25 Q4FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY
Slide 15: Operating cost (3M)
Operating cost (3M) Repco Home Finance Limited Figures in Rs million Employee Cost Other Opex 400 300 337 247 252 350 291 250 300 278 200 250 162 200 150 150 100 100 50 50 0 0 Q1FY25 Q4FY25 Q1FY26 Q1FY25 Q4FY25 Q1FY26 Cost to Income Ratio 35.0% 29.9% 30.0% 23.6% 24.3% 25.0% 20.0% 15.0% 10.0% 5.0% 0.
Slide 16: Asset Quality
Asset Quality Repco Home Finance Limited 4.5% 4.3% 4.0% 3.9% 4.0% 3.3% 3.3% 3.5% 3.0% 2.5% 2.0% 1.5% 1.7% 1.6% 1.5% 1.0% 1.3% 1.2% 0.5% 0.0% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 GNPA NNPA Earnings Presentation August 2025 15
Slide 17: GNPA Movement
GNPA Movement Repco Home Finance Limited (%) 8.00% RBI Circular on NPA treatment* And COVID – 19 Wave II 7.00% 7% 6.00% 5.80% 5.00% COVID-19 Wave - I 4.30% 4.00% 4.10% Demonetisation 3.70% 3.30% 3.00% 3% 3.26% 2.90% 2.60% 2.00% 1.50% 1.30% 1.00% 1.30% 0.00% FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY
Slide 18: Credit Cost
Credit Cost Repco Home Finance Limited % 2.5% 2.0% 1.9% 1.5% 1.0% 0.7% 0.5% 0.5% 0.4% 0.0% -0.3% -0.1% 0.0% FY20 FY21 FY22 FY23 FY24 FY25 FY26 (3M) -0.5% Earnings Presentation August 2025 17
Slide 19: Product / Occupation mix wise GNPA(%)
Product / Occupation mix wise GNPA(%) Repco Home Finance Limited 5.0% 4.4% 4.3% 4.5% 4.2% 4.0% 3.3% 3.4% 3.3% 3.3% 3.5% 3.1% 3.2% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Home Loan Home Equity Overall Q1FY25 Q4FY25 Q1FY26 7.0% 6.1% 6.0% 5.0% 4.6% 4.6% 4.3% 4.0% 3.3% 3.3% 3.0% 2.3% 1.8% 1.9% 2.0% 1.0% 0.0%
Slide 20: ECL provision
ECL provision Repco Home Finance Limited Figures in Rs million Jun’24 Mar’25 Jun’25 Gross Stage 3* 5,826 4,729 4,854 % portfolio in Stage 3 4.3% 3.3% 3.3% ECL provision - Stage 3 3,600 2,819 3,139 Net - Stage 3* 2,226 1,910 1,715 Coverage ratio - Stage 3 61.8% 59.6% 64.7% Gross Stage 1 & 2* 1,31,185
Slide 21: Stage-wise Movement
Stage-wise Movement Repco Home Finance Limited Figures in Rs. million Jun’24 Mar’25 Jun’25 Particulars AUM % AUM % AUM % Stage-1 1,15,222 84.1% 1,26,087 87.0% 1,27,837 87.0% Stage-2 15,963 11.7% 14,103 9.7% 14,208 9.7% Stage-3 5,826 4.3% 4,729 3.3% 4,854 3.3% Grand Total 1,37,011 100.0% 1,44,918 100
Slide 22: Breakup of Overdues
Breakup of Overdues Repco Home Finance Limited Figures in Rs. million Stage-2 Stage-3 Particulars Total AUM AUM % of AUM AUM % of AUM Till March 2022* 65,421 10,106 15.4% 3,979 6.1% From April 2022* 81,477 4,102 5.0% 875 1.1% Grand Total 146,899 14,208 9.7% 4,854 3.3% *Financial years categorised ba
Slide 23: Borrowing profile
Borrowing profile Repco Home Finance Limited % change Source (Rs Mn) Average cost Q1FY25 Q4FY25 Q1FY26 (Y-o-Y) National Housing Bank 8.24% 11,602 8,755 9,335 -20% Commercial Banks 8.78% 87,055 92,464 90,963 4% Repco Bank 8.75% 10,482 10,261 9,056 -14% Commercial Paper 8.38% - 1,390 Total 8.73% 1,09,
Slide 24: Movement in borrowing cost
Movement in borrowing cost Repco Home Finance Limited 8.9% 8.81% 8.8% 8.76% 8.74% 8.74% 8.74% 8.73% 8.74% 8.8% 8.72% 8.73% 8.73% 8.7% 8.70% 8.7% 8.68% 8.68% 8.66% 8.7% 8.6% 8.6% 8.62% 8.63% 8.6% 8.62% 8.6% 8.60% 8.6% 8.6% 8.6% 8.6% 8.5% 8.5% 8.5% 8.4% 8.4% Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 D
Slide 25: Credit Rating
Credit Rating Repco Home Finance Limited • Credit Rating as on 30th June 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+ Earnings Presentation August 2025 24
Slide 26: Geographic Presence
Repco Home Finance Limited Geographic Presence Earnings Presentation August 2025 25
Slide 27: Network
Network Repco Home Finance Limited ◆ Present in 12 states and 1 Union Territory with Branch Network 203 branches and 31 satellite centers. ◆ Additionally, we have 2 asset recovery branches. ◆ Presence beyond South: branches in West Bengal, Odisha, Maharashtra, Jharkhand, 7 Gujarat, Madhya Pradesh &
Slide 28: Region-wise loan book
Region-wise loan book Repco Home Finance Limited Kerala, 2% Others, 4% Gujarat, 3% Telangana, 5% Andhra Pradesh, 6% Maharashtra, 10% Tamil Nadu, 57% Karnataka, 13% Exposure Annualised Growth States Q1FY25 Q4FY25 Q1FY26 Y-o-Y Q-o-Q Tamil Nadu 56.4% 56.8% 56.8% 8% 6% Karnataka 12.9% 12.6% 12.5% 4% 3%
Slide 29: Annexure
Repco Home Finance Limited Annexure Earnings Presentation August 2025 28
Slide 30: Shareholding pattern
Shareholding pattern Repco Home Finance Limited Outstanding shares – 62.6 Mn Foreign Portfolio NRIs, 1.5% Others, 1.5% Major Non-Promoter Shareholders % Investors, 11.2% Alternative Investment Promoters, HDFC Small Cap Mutual Fund 5.4% Funds, 1.5% 37.1% Bandhan Small Cap Fund 4.7% Aditya Birla Sun L
Slide 31: Profit and loss statement (3M)
Profit and loss statement (3M) Repco Home Finance Limited Figures in Rs million (Rs. Million) Q1 FY26 Q4 FY25 QOQ (%) Q1 FY25 YoY (%) Income: Revenue from operations 4,355 4,262 2% 4,078 7% Other income 52 89 -41% 84 -38% Total Income 4,407 4,350 1% 4,163 6% Expenses: Interest and other financial ch
Slide 32: Relative performance (3M)
Relative performance (3M) Repco Home Finance Limited Particulars Units Q1 FY26 Q4 FY25 Q1 FY25 Sanctions Rs. Mn 9,066 10,589 7,272 Disbursements Rs. Mn 8,289 9,754 6,804 Net interest income Rs. Mn 1,914 1,804 1,749 PAT Rs. Mn 1,080 1,149 1,054 NIM % 5.2 5.2 5.1 Yield on assets % 12.0 12.2 12.0 Cost
Slide 33: For any queries, please contact
Repco Home Finance Limited For any queries, please contact: Ms. Shanthi Srikanth Chief Financial Officer Repco Home Finance Limited Phone: +91 44 42106650 Email: cfo@repcohome.com Safe Harbor: This presentation may have certain statements that may be “forward looking” including those relating to gen