Repco Home Finance Ltd. · NSE:REPCOHOME
Repco Home Finance — Q2 FY26 Earnings Presentation
38 slides from Repco Home Finance's earnings presentation, Nov 12, 2025
Slide 1: Stock exchange cover letter for investor presentation
RHFL/SE/74/2025-26 12th November, 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/Ma
Slide 2: Earnings Presentation Q2FY26
Repco Home Finance Limited Earnings Presentation Q2FY26 www.repcohome.com Earnings Presentation November 2025
Slide 3: Agenda
Agenda Repco Home Finance Limited ◆ About Us ◆ MD & CEO Comments ◆ Board of Directors ◆ Q2FY26 Performance ► Business summary ► Financial performance ► Borrowing Profile ► Credit Rating ◆ Geographic Presence ► Footprint ► Region-wise loan book ◆ Annexure Earnings Presentation November 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 September 2025
MD and CEO Comments on Quarter ended 30th September 2025 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q2 FY26. Loans sanctions stood at Rs.12,056 millions in Q2 FY26 as against to Rs. 9,264 millions in Q2 FY25 and Rs. 9,066 millions in Q1 FY26. Loan dis
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: Q2FY26 Performance
Repco Home Finance Limited Q2FY26 Performance Earnings Presentation November 2025 6
Slide 8: Business Summary
Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 150,334 Mn Rs. 34,642 Mn Ratio 36.88% Average loan per unit Number of live accounts Employee strength Rs. 1.33 Mn 113,062 1587 GNPA – 3.16% ECL provision – 2.5% Earnings Presentation November 20
Slide 9: Business performance momentum
Business performance momentum Repco Home Finance Limited Figures in Rs million 14,000 12,056 12,000 10,691 10,589 9,754 10,000 9,264 9,066 8,672 8,289 8,064 7,613 8,000 6,000 4,000 2,000 - Q2 Q3 Q4 Q1 Q2 FY25 FY26 Sanctions Disbursements Earnings Presentation November 2025 8
Slide 10: Key Indicators – Q2FY26 vs Q2FY25
Key Indicators – Q2FY26 vs Q2FY25 Repco Home Finance Limited Figures in Rs million Sanctions Disbursements Net Interest Income* Q2FY26 12,056 10,691 2,007 30% 23% 7% Q2FY25 9,264 1,870* 8,672 Operating Revenue PBT PAT Q2FY26 4,451 1,424 1,069 4% -7% -5% Q2FY25 4,265* 1,528 1,125 Earnings Presentatio
Slide 11: Key Indicators – Q2FY26 vs Q1FY26
Key Indicators – Q2FY26 vs Q1FY26 Repco Home Finance Limited Figures in Rs million Sanctions Disbursements Net Interest Income* Q2FY26 12,056 10,691 2,007 33% 29% 2% Q1FY26 9,066 8,289 1,962* Operating Revenue PBT PAT Q2FY26 4,451 1,424 1,069 1% -3% -1% Q1FY26 4,403* 1,463 1,080 Earnings Presentatio
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 1,50,334 35,000 34,015 34,642 1,39,644 1,40,000 30,000 28,679 1,20,000 25,000 1,00,000 20,000 80,000 15,000 60,000 10,000 40,000 5,000 20,000 Sep'24 June'25 Sep'25 Sep'24 June'25 Sep'25
Slide 13: Half-Yearly Profitability ratios (6M)
Half-Yearly Profitability ratios (6M) Repco Home Finance Limited Net Interest Margin* Spread* 6.0% 3.8% 3.6% 5.5% 5.4% 5.4% 3.6% 3.4% 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% Sep'24 Sep'25 Sep'24 Sep'25 Return on Equity Return on Assets 20.0% 3.5% 3.2% 16.3% 2.9% 3.0% 16.0% 1
Slide 14: Half-Yearly Performance Metrics (6M)
Half-Yearly Performance Metrics (6M) Repco Home Finance Limited Figures in Rs million Income from Operations* Net interest income* 10,000 8,853 3,969 8,422 4,000 3,697 8,000 3,000 6,000 2,000 4,000 2,000 1,000 - - Sep'24 Sep'25 Sep'24 Sep'25 Net profit Sanctions and Disbursements 2,500 2,180 2,149 2
Slide 15: Half-Yearly Operating cost (6M)
Half-Yearly Operating cost (6M) Repco Home Finance Limited Figures in Rs million Employee Cost Other Opex 700 600 621 512 574 600 500 500 395 400 400 300 300 200 200 100 100 0 0 Sep'24 Sep'25 Sep'24 Sep'25 Cost to Income Ratio 30.0% 26.3% 25.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Sep'24 Sep'25 Earning
Slide 16: Quarterly Profitability ratios (3M)
Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin* Spread* 6.0% 3.8% 3.7% 5.5% 5.4% 5.5% 3.6% 5.5% 3.4% 3.4% 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% Q2FY25 Q1FY26 Q2FY26 Q2FY25 Q1FY26 Q2FY26 Return on Equity Return on Assets 18.0% 3.5% 3.3% 1
Slide 17: Quarterly Performance Metrics (3M)
Quarterly Performance Metrics (3M) Repco Home Finance Limited Figures in Rs million Income from Operations* Net interest income* 5,000 2,100 1,962 2,007 4,403 4,451 1,870 4,500 4,265 1,900 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 Q2FY25 Q1FY26 Q2FY26 Q2FY25
Slide 18: Quarterly Operating cost (3M)
Quarterly Operating cost (3M) Repco Home Finance Limited Figures in Rs million Employee Cost Other Opex 300 252 260 400 233 343 250 350 284 278 200 300 250 150 200 150 100 100 50 50 0 0 Q2FY25 Q1FY26 Q2FY26 Q2FY25 Q1FY26 Q2FY26 Cost to Income Ratio 30.0% 28.4% 26.4% 24.3% 25.0% 20.0% 15.0% 10.0% 5.0
Slide 19: Asset Quality
Asset Quality Repco Home Finance Limited 4.5% 4.0% 3.9% 4.0% 3.5% 3.3% 3.3% 3.2% 3.0% 2.5% 2.0% 1.5% 1.2% 1.5% 1.6% 1.5% 1.0% 1.3% 0.5% 0.0% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 GNPA NNPA Earnings Presentation November 2025 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% COVID-19 Wave - I 5.00% 4.30% 4.00% 4.10% Demonetisation 3.26% 3.70% 3.16% 3.00% 3% 2.90% 2.00% 2.60% 1.50% 1.30% 1.30% 1.00% 0.00% FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY
Slide 21: Credit Cost
Credit Cost Repco Home Finance Limited % 2.5% 2.0% 1.9% 1.5% 1.0% 0.7% 0.5% 0.4% 0.5% 0.0% -0.3% -0.1% 0.0% FY20 FY21 FY22 FY23 FY24 FY25 FY26 (6M) -0.5% Earnings Presentation November 2025 20
Slide 22: Product / Occupation mix wise GNPA(%)
Product / Occupation mix wise GNPA(%) Repco Home Finance Limited 4.5% 4.0% 4.0% 4.0% 3.8% 3.4% 3.3% 3.2% 3.5% 3.2% 3.2% 3.1% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Home Loan Home Equity Overall Q2FY25 Q1FY26 Q2FY26 6.0% 5.7% 5.0% 4.6% 4.4% 4.0% 4.0% 3.3% 3.2% 3.0% 2.1% 1.9% 1.8% 2.0% 1.0% 0.0% Salaried
Slide 23: ECL provision
ECL provision Repco Home Finance Limited Figures in Rs million Sep'24 Jun’25 Sep'25 Gross Stage 3* 5,524 4,854 4,750 % portfolio in Stage 3 3.9% 3.3% 3.2% ECL provision - Stage 3 3,354 3,139 2,496 Net - Stage 3* 2,170 1,715 2,254 Coverage ratio - Stage 3 60.7% 64.7% 52.5% Gross Stage 1 & 2* 1,34,120
Slide 24: Stage-wise Movement
Stage-wise Movement Repco Home Finance Limited Figures in Rs. million Sep'24 Jun’25 Sep'25 Particulars AUM % AUM % AUM % Stage-1 1,18,812 85.08% 1,27,837 87.02% 1,32,345 88.03% Stage-2 15,308 10.96% 14,208 9.67% 13,239 8.81% Stage-3 5,524 3.96% 4,854 3.30% 4,750 3.16% Grand Total 1,39,644 100.0% 1,4
Slide 25: 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* 61,864 8,980 14.5% 3,698 6.0% From April 2022* 88,470 4,259 4.8% 1052 1.2% Grand Total 150,334 13,239 8.8% 4,750 3.2% *Financial years categorised ba
Slide 26: Borrowing profile
Borrowing profile Repco Home Finance Limited % change Source (Rs Mn) Average cost Q2FY25 Q1FY26 Q2FY26 (Y-o-Y) National Housing Bank 8.13% 10,874 9,335 7,995 -26% Commercial Banks 8.56% 93,280 90,963 97,512 5% Repco Bank 8.75% 10,473 9,056 8,050 -23% Commercial Paper 8.38% - 1,390 1,419 Total 8.54%
Slide 27: Movement in borrowing cost
Movement in borrowing cost Repco Home Finance Limited 8.9% 8.81% 8.8% 8.76% 8.74% 8.74% 8.8% 8.72% 8.73% 8.73% 8.74% 8.73% 8.74% 8.7% 8.72% 8.70% 8.72% 8.7% 8.68% 8.68% 8.69% 8.66% 8.65% 8.7% 8.63% 8.63% 8.62% 8.62% 8.60% 8.6% 8.6% 8.54% 8.6% 8.5% 8.5% 8.4% Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25
Slide 28: Credit Rating
Credit Rating Repco Home Finance Limited • Credit Rating as on 30th September 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 November 2
Slide 29: Geographic Presence
Repco Home Finance Limited Geographic Presence Earnings Presentation November 2025 25
Slide 30: 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 31: Region-wise loan book
Region-wise loan book Repco Home Finance Limited Kerala, 2% Others, 5% Gujarat, 3% Telangana, 5% Andhra Pradesh, 6% Maharashtra, 10% Tamil Nadu, 57% Karnataka, 12% Exposure Annualised Growth States Q2FY25 Q1FY26 Q2FY26 Y-o-Y Q-o-Q Tamil Nadu 56.4% 56.8% 57.1% 9% 11% Karnataka 12.9% 12.5% 12.3% 3% 3%
Slide 32: Annexure
Repco Home Finance Limited Annexure Earnings Presentation November 2025 31
Slide 33: Shareholding pattern
Shareholding pattern Repco Home Finance Limited Outstanding shares – 62.6 Mn Major Non-Promoter Shareholders % Foreign Others, 1.5% Portfolio NRIs, 1.5% Investors, 11.9% Bandhan Small Cap Fund 6.0% Alternative ICICI Prudential Banking and Financial Services Fund 4.0% Investment Funds, 0.9% Aditya Bi
Slide 34: Profit and loss statement (3M)
Profit and loss statement (3M) Repco Home Finance Limited Figures in Rs million (Rs. million) Q2FY26 Q1FY26 QOQ (%) Q2FY25 YoY (%) Income: Revenue from operations 4,451 4,403 1% 4,265 4% Other income 6 4 39% 14 -58% Total Income 4,457 4,407 1% 4,280 4% Expenses: Interest and other financial charges
Slide 35: Profit and loss statement (6M)
Profit and loss statement (6M) Repco Home Finance Limited Figures in Rs million (Rs. Million) Sep'25 Sep'24 YoY (%) Income: Revenue from operations 8,853 8,422 5% Other income 11 20 -48% Total Income 8,864 8,442 5% Expenses: Interest and other financial charges 4,885 4,725 3% Employee benefit expens
Slide 36: Relative performance (3M)
Relative performance (3M) Repco Home Finance Limited Particulars Units Q2FY25 Q1FY26 Q2FY26 Sanctions Rs. Mn 9,264 9,066 12,056 Disbursements Rs. Mn 8,672 8,289 10,691 Net interest income* Rs. Mn 1,870 1,962 2,007 PAT Rs. Mn 1,125 1,080 1,069 NIM* % 5.5 5.4 5.5 Yield on assets* % 12.4 12.0 12.1 Cost
Slide 37: Relative performance (6M)
Relative performance (6M) Repco Home Finance Limited Particulars Units Sep'24 Sep'25 Sanctions Rs. Mn 16,536 21,122 Disbursements Rs. Mn 15,476 18,980 Net interest income* Rs. Mn 3,697 3,969 PAT Rs. Mn 2,180 2,149 NIM* % 5.4 5.4 Yield on assets* % 12.3 12.0 Cost of Borrowings % 8.6 8.7 Spread* % 3.6
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