Repco Home Finance Ltd. · NSE:REPCOHOME
Repco Home Finance — Q2 FY27 Earnings Presentation
37 slides from Repco Home Finance's earnings presentation, Nov 5, 2026
Slide 1: Stock exchange cover letter for investor presentation
RHFL/SE/71/2026-27 5th November, 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 Q2 FY27
Repco Home Finance Limited Earnings Presentation Q2 FY27 www.repcohome.com Earnings Presentation November 2026
Slide 3: Agenda
Agenda Repco Home Finance Limited ◆ About Us ◆ MD & CEO Comments ◆ Board of Directors ◆ Q2 FY27 Performance ► Business summary ► Financial performance ► Borrowing Profile ► Credit Rating ◆ Geographic Presence ► Footprint ► Region-wise loan book ◆ Annexure Earnings Presentation November 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 September 2026
MD and CEO Comments on Quarter ended 30th September 2026 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q2 FY27. Loan sanctions stood at Rs. 1359 crores in Q2 FY27 as against to Rs. 938 crores in Q1 FY27 and Rs. 1205 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 Mr. Mrinal Kanti Bhattacharya, Non- Executive and Non-Independent Director and Non-Independent Director’ and Independent Director Executive and Independent Di
Slide 7: Q2 FY27 Performance
Repco Home Finance Limited Q2 FY27 Performance Earnings Presentation November 2026 6
Slide 8: Business Summary
Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 16,425 Crs Rs. 3,875 Crs Ratio 37% Average loan per unit Number of live accounts Network Rs. 14 Lakhs 1,16,229 242 GNPA – 2.4% ECL provision – 2.1% Earnings Presentation November 2026 7
Slide 9: Business performance momentum
Business performance momentum Repco Home Finance Limited Figures in Rs. crores 1,600 1,320 1,359 1,400 1205 1,186 1,205 1,200 1,069 1,087 1,064 1,000 938 843 800 600 400 200 - Q2 Q3 Q4 Q1 Q2 FY26 FY27 Sanctions Disbursements Earnings Presentation November 2026 8
Slide 10: Key Indicators – Q2FY27 vs Q2FY26
Key Indicators –Q2FY27 vs Q2FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q2FY27 1359 1205 220 12.7% 12.7% 10.0% Q2FY26 1205 1069 200 Operating Revenue PBT PAT Q2FY27 481 149 116 8.0% 5.0% 8.4% Q2FY26 445 142 107 Earnings Presentation November 202
Slide 11: Key Indicators – Q2FY27 vs Q1FY27
Key Indicators – Q2FY27 vs Q1FY27 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q2FY27 1205 220 1359 44.8% 43.0% 1.8% Q1FY27 938 843 216 Operating Revenue PBT PAT Q2FY27 481 149 116 2.7% 0.6% 1.7% Q1FY27 468 148 114 Earnings Presentation November 2026
Slide 12: Portfolio Composition
Portfolio Composition Repco Home Finance Limited Figures in Rs crores Loan Book Net Owned Fund 18,000 4,000 3,875 16,425 3,768 15,990 3,800 16,000 15,033 3,600 3,464 14,000 3,400 12,000 3,200 10,000 3,000 Sep'25 Jun'26 Sep'26 Sep'25 Jun'26 Sep'26 Loan book composition Mix of Loan Portfolio 100% 100%
Slide 13: Half-Yearly Profitability ratios (6M)
Half-Yearly Profitability ratios (6M) Repco Home Finance Limited Net Interest Margin Spread 6.0% 3.6% 3.5% 5.5% 5.4% 5.4% 3.3% 3.2% 5.0% 4.5% 2.8% 4.0% 2.4% 3.5% 2.0% 3.0% Sep'25 Sep'26 Sep'25 Sep'26 Return on Equity Return on Assets 16.0% 13.6% 12.5% 4.0% 12.0% 2.9% 2.9% 3.0% 8.0% 2.0% 4.0% 1.0% 0.
Slide 14: Half-Yearly Performance Metrics (6M)
Half-Yearly Performance Metrics (6M) Repco Home Finance Limited Income from Operations Net Interest Income 1,000 949 885 700 800 600 500 436 397 400 300 200 - 100 Sep'25 Sep'26 Sep'25 Sep'26 Net Profit Sanctions and Disbursements 250 230 215 3,000 200 2,112 2,297 2,048 2,000 1,898 150 100 1,000 50 -
Slide 15: Half-Yearly Operating Cost (6M)
Half-Yearly Operating Cost (6M) Repco Home Finance Limited Employee Cost Other OPEX 80 73 60 56 62 51 60 50 40 40 30 20 20 10 0 0 Sep'25 Sep'26 Sep'25 Sep'26 Cost to Income Ratio 30.0% 27.8% 26.3% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Sep'25 Sep'26 Earnings Presentation November 2026 14
Slide 16: Quarterly Profitability ratios (3M)
Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin Spread 4.0% 6.0% 3.7% 5.4% 5.4% 5.5% 5.5% 3.6% 3.4% 3.4% 5.0% 3.2% 4.5% 2.8% 4.0% 3.5% 2.4% 3.0% 2.0% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Return on Equity Return on Assets 16.0% 13.5% 4.0% 12.7% 12.6% 12.0% 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 600 250 216 220 468 481 200 500 445 200 400 150 300 100 200 50 100 - - Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Net profit Sanctions and Disbursements 120 114 116 107 100 1,
Slide 18: Quarterly Operating cost (3M)
Quarterly Operating cost (3M) Repco Home Finance Limited Figures in Rs crores Employee Cost Other Opex 50 40 39 31 40 34 34 30 26 25 30 20 20 10 10 0 0 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Cost to Income Ratio 40.0% 28.4% 29.7% 30.0% 26.0% 20.0% 10.0% 0.0% Q2FY26 Q1FY27 Q2FY27 Earnings Presenta
Slide 19: Asset Quality
Asset Quality Repco Home Finance Limited 3.5% 3.16% 2.92% 3.0% 2.67% 2.55% 2.42% 2.5% 2.0% 1.5% 1.23% 1.50% 1.38% 1.0% 0.83% 1.17% 0.5% 0.0% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 GNPA NNPA Earnings Presentation November 2026 18
Slide 20: 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% De-monitsation 3.70% 3.26% 3.00% 2.90% 3% 2.60% 2.42% 2.00% 2.55% 1.00% 0.00% * Circular No: RBI/2021-22/117 DOR.No.STR.REC.64/21.04.048/2021-22 Earnings Pr
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% 0.1% 0.0% 0.0% FY21 FY22 FY23 FY24 FY25 FY26 FY27(6M) -0.2% -0.5% -0.3% Earnings Presentation November 2026 20
Slide 22: Product / Occupation mix wise GNPA
Product / Occupation mix wise GNPA(%) Repco Home Finance Limited 4.0% 3.2% 3.1% 3.2% 3.0% 2.7% 2.6% 2.4% 2.5% 2.4% 2.3% 2.0% 1.0% 0.0% Home Loan Home Equity Overall Q2FY26 Q1FY27 Q2FY27 5.0% 4.4% 4.0% 3.6% 3.2% 3.2% 3.0% 2.6% 2.4% 2.0% 1.8% 1.6% 1.4% 1.0% 0.0% Salaried Non-Salaried Overall Q2FY26 Q1
Slide 23: ECL provision
ECL provision Repco Home Finance Limited Figures in Rs crores Sep’25 Jun’26 Sep’26 Gross Stage 3* 475 427 398 % portfolio in Stage 3 3.2% 2.7% 2.4% ECL provision - Stage 3 249 233 263 Net - Stage 3* 225 194 135 Coverage ratio - Stage 3 52.5% 54.5% 66.0% Gross Stage 1 & 2* 14558 15564 16027 % portfol
Slide 24: Stage-wise Movement
Stage-wise Movement Repco Home Finance Limited Figures in Rs. crores Sep’25 Jun’26 Sep’26 Particulars AUM % AUM % AUM % Stage-1 13,234 88.03% 14,411 90.1% 14,873 90.5% Stage-2 1,324 8.8% 1,152 7.2% 1,154 7.0% Stage-3 475 3.1% 427 2.7% 398 2.4% Grand Total 15,033 100.0% 15,990 100.0% 16,425 100% Amou
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* 4,986 645 13% 275 5.5% From April 2022* 11,439 508 4.3% 129 1.1% Grand Total 16,425 1153 7.0% 404 2.4% *Financial years categorised based on date of s
Slide 26: Borrowing profile
Borrowing profile Repco Home Finance Limited % change Source (Rs Crs) Average cost Q2FY26 Q1FY27 Q2FY27 (Y-o-Y) National Housing Bank 7.73% 799 748 921 15% Commercial Banks 8.40% 9,751 10,474 10,967 12% Repco Bank 8.50% 805 581 580 -28% Commercial Paper 7.60% 141.91 74 74 -48% PTC 7.85% - 76.78 145
Slide 27: Credit Rating
Credit Rating Repco Home Finance Limited • Credit Rating as on 30th September 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) Certifi
Slide 28: Geographic Presence
Repco Home Finance Limited Geographic Presence Earnings Presentation November 2026 27
Slide 29: 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 30: Region-wise loan book
Region-wise loan book Repco Home Finance Limited Kerala, 2.3% Others, 5.0% Gujarat, 2.5% Telangana, 5.8% Andhra Pradesh, 5.7% Maharashtra, 10.0% Tamil Nadu, 57.4% Karnataka, 11.2% Exposure Annualised Growth States Sep-25 Jun-26 Sep-26 Y-o-Y Q-o-Q Tamil Nadu 57.1% 57.3% 57.4% 10% 3% Karnataka 12.3% 1
Slide 31: Annexure
Repco Home Finance Limited Annexure Earnings Presentation November 2026 30
Slide 32: Shareholding pattern
Shareholding pattern Repco Home Finance Limited Outstanding shares – 6.26 Cr Foreign Portfolio Corp, NRIs, 1.6% Others, 1.5% Major Non-Promoter Shareholders % 11.1% Alternative Investment Bandhan Small Cap Fund 9.8% Funds, 0.4% Promoters, 37.1% ICICI Prudential Banking and Financial Services Fund 4.
Slide 33: Profit and loss statement (3M)
Profit and loss statement (3M) Repco Home Finance Limited Figures in Rs crores (Rs. crore) Q2FY27 Q1FY27 QOQ (%) Q2FY26 YoY (%) Income: Revenue from operations 481 468 3% 445 8% Other income 0.3 0.2 0% 0.6 -44% Total Income 481 468 3% 445 8% Expenses: Interest and other financial charges 261 251 4%
Slide 34: Profit and loss statement (6M)
Profit and loss statement (6M) Repco Home Finance Limited Figures in Rs crores (Rs. crores) Sep'26 Sep'25 YoY (%) Income: Revenue from operations 949 885 7% Other income 0 1 -49% Total Income 949 886 7% Expenses: Interest and other financial charges 512 488 5% Employee benefit expense 73 62 17% Depr
Slide 35: Relative performance (3M)
Relative performance (3M) Repco Home Finance Limited Particulars Units Q2FY26 Q1FY27 Q2FY27 Sanctions Rs. Cr 1,205 938 1,359 Disbursements Rs. Cr 1,069 843 1,205 Net interest income Rs. Cr 200 216 220 PAT Rs. Cr 107 114 116 NIM % 5.4 5.4 5.5 Yield on assets % 12.1 11.7 12 Cost of Borrowings % 8.5 8.
Slide 36: Relative performance (6M)
Relative performance (6M) Repco Home Finance Limited Particulars Units Sep’25 Sep’26 Sanctions Rs. Cr 2,112 2,297 Disbursements Rs. Cr 1,898 2,048 Net interest income Rs. Cr 397 436 PAT Rs. Cr 215 230 NIM % 5.4 5.4 Yield on assets % 12.0 11.8 Cost of Borrowings % 8.7 8.3 Spread % 3.3 3.5 Return on a
Slide 37: 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