Repco Home Finance Ltd. · NSE:REPCOHOME
Repco Home Finance — Q4 FY26 Earnings Presentation
39 slides from Repco Home Finance's earnings presentation, May 21, 2026
Slide 1: Cover letter to stock exchanges
RHFL/SE/10/2026-27 21st May, 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/Madam,
Slide 2: Earnings Presentation Q4FY26
Repco Home Finance Limited Earnings Presentation Q4FY26 www.repcohome.com Earnings Presentation May 2026
Slide 3: Agenda
Agenda Repco Home Finance Limited ◆ About Us ◆ MD & CEO Comments ◆ Board of Directors ◆ Q4FY26 Performance ► Business summary ► Financial performance ► Borrowing Profile ► Credit Rating ◆ Geographic Presence ► Footprint ► Region-wise loan book ◆ Annexure Earnings Presentation May 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 March 2026
MD and CEO Comments on Quarter ended 31st March 2026 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q4 FY26. Loan sanctions stood at Rs.1,320 crores in Q4 FY26 as against to Rs. 1059 crores in Q4 FY25 and Rs. 1087 crores in Q3 FY26. Loan disbursements sto
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: Q4FY26 Performance
Repco Home Finance Limited Q4FY26 Performance Earnings Presentation May 2026 6
Slide 8: Business Summary
Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 15,880 Cr Rs. 3,658 Crs Ratio 35.38% Average loan per unit Number of live accounts Network Rs. 14 Lakhs 1,15,318 242 GNPA – 2.55% ECL provision – 2.15% Earnings Presentation May 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 1,059 1,069 1,0871,064 975 1,000 907 829 800 600 400 200 - Q4 Q1 Q2 Q3 Q4 FY25 FY26 Sanctions Disbursements Earnings Presentation May 2026 8
Slide 10: Key Indicators –FY26 vs FY25
Key Indicators –FY26 vs FY25 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income FY26 4519 4148 812 9% 28% 26% FY25 3519 746 3284 Operating Revenue PBT PAT FY26 1796 586 453 5% 1% 1% FY25 1712 578 449 Earnings Presentation May 2026 9
Slide 11: Key Indicators –Q4FY26 vs Q4FY25
Key Indicators –Q4FY26 vs Q4FY25 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q4FY26 1320 1186 207 25% 22% 16% Q4FY25 1059 178 975 Operating Revenue PBT PAT Q4FY26 454 148 129 7% 3% 4% Q4FY25 424 144 125 Earnings Presentation May 2026 10
Slide 12: Key Indicators – Q4FY26 vs Q3FY26
Key Indicators – Q4FY26 vs Q3FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q4FY26 1320 1186 207 21% 12% -1% Q3FY26 1087 1064 208 Operating Revenue PBT PAT Q4FY26 454 148 129 -1% -0.4% 19% Q3FY26 457 149 109 Earnings Presentation May 2026 11
Slide 13: Portfolio Composition
Portfolio Composition Repco Home Finance Limited Figures in Rs crores Loan Book Net Owned Fund* 15,880 4,000 3,574 3,658 16,000 15,394 3,500 3,295 14,492 3,000 14,500 2,500 13,000 2,000 1,500 11,500 1,000 500 10,000 - Mar'25 Dec'25 Mar'26 Mar'25 Dec'25 Mar'26 Loan book composition Mix of Loan Portfo
Slide 14: Profitability ratios (12M)
Profitability ratios (12M) Repco Home Finance Limited Net Interest Margin Spread 3.6% 3.5% 5.5% 5.3% 5.4% 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% Mar'25 Mar'26 Mar'25 Mar'26 Return on Equity Return on Assets 16.0% 14.7% 14.0% 13.0% 3.5% 3.2% 3.0% 12.0% 3.0% 10.0% 2.5% 8
Slide 15: Performance Metrics (12M)
Performance Metrics (12M) Repco Home Finance Limited Figures in Rs crores Income from Operations Net interest income 2,000 1,796 850 1,712 812 1,800 800 1,600 746 1,400 750 1,200 700 1,000 800 650 600 600 400 200 550 - 500 Mar'25 Mar'26 Mar'25 Mar'26 Net profit Sanctions and Disbursements 500 449 45
Slide 16: Operating cost (12M)
Operating cost (12M) Repco Home Finance Limited Figures in Rs crores Employee Cost Other Opex 160 149 120 110 140 120 100 89 120 100 80 80 60 60 40 40 20 20 0 0 Mar'25 Mar'26 Mar'25 Mar'26 Cost to Income Ratio 35.0% 30.0% 28.7% 26.8% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Mar'25 Mar'26 Earnings Presentat
Slide 17: Quarterly Profitability ratios (3M)
Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin Spread 6.0% 5.6% 4.0% 3.8% 5.5% 3.8% 5.5% 3.6% 5.1% 3.6% 3.4% 5.0% 3.4% 3.2% 4.5% 3.0% 2.8% 4.0% 2.6% 2.4% 3.5% 2.2% 3.0% 2.0% Q4FY25 Q3FY26 Q4FY26 Q4FY25 Q3FY26 Q4FY26 Return on Equity Return on Assets 18.0% 16.7% 4.
Slide 18: Quarterly Performance Metrics (3M)
Quarterly Performance Metrics (3M) Repco Home Finance Limited Figures in Rs crores Income from Operations Net interest income 500 457 454 250 450 424 208 207 400 200 178 350 300 150 250 200 100 150 100 50 50 - - Q4FY25 Q3FY26 Q4FY26 Q4FY25 Q3FY26 Q4FY26 Net profit Sanctions and Disbursements 140 129
Slide 19: Quarterly Operating cost (3M)
Quarterly Operating cost (3M) Repco Home Finance Limited Figures in Rs crores Employee Cost Other Opex 50 35 32 42 44 45 30 26 40 25 34 35 25 30 20 25 20 15 15 10 10 5 5 0 0 Q4FY25 Q3FY26 Q4FY26 Q4FY25 Q3FY26 Q4FY26 Cost to Income Ratio 35.0% 31.5% 30.9% 31.1% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0%
Slide 20: Asset Quality
Asset Quality Repco Home Finance Limited 3.5% 3.26% 3.30% 3.16% 2.92% 3.0% 2.55% 2.5% 2.0% 1.5% 1.38% 1.50% 1.17% 1.0% 1.31% 1.19% 0.5% 0.0% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 GNPA NNPA Earnings Presentation May 2026 19
Slide 21: GNPA Movement
GNPA Movement Repco Home Finance Limited (%) 8.00% RBI Circular on NPA treatment* 7.00% 7% 6.00% 5.80% Covid- 5.00% 19(Wave1) 4.30% 4.00% 4.10% 3.70% De-monitsation 3.26% 3.00% 3% 2.90% 2.55% 2.60% 2.00% 1.30% 1.00% 0.00% FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (12M) * Circular No: RB
Slide 22: 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% 0.0% -0.3% -0.2% FY20 FY21 FY22 FY23 FY24 FY25 FY26 (12M) -0.5% Earnings Presentation May 2026 21
Slide 23: Product / Occupation mix wise GNPA(%)
Product / Occupation mix wise GNPA(%) Repco Home Finance Limited 3.5% 3.3% 3.3% 3.0% 3.1% 2.9% 3.0% 2.7% 2.6% 2.6% 2.5% 2.4% 2.0% 1.5% 1.0% 0.5% 0.0% Home Loan Home Equity Overall Q4FY25 Q3FY26 Q4FY26 5.0% 4.6% 4.5% 4.1% 4.0% 3.5% 3.5% 3.3% 2.9% 3.0% 2.6% 2.5% 2.0% 1.8% 1.6% 1.4% 1.5% 1.0% 0.5% 0.0%
Slide 24: ECL provision
ECL provision Repco Home Finance Limited Figures in Rs crores Mar’25 Dec’25 Mar’26 Gross Stage 3* 473 450 405 % portfolio in Stage 3 3.3% 2.9% 2.6% ECL provision - Stage 3 282 237 223 Net - Stage 3* 191 213 183 Coverage ratio - Stage 3 59.6% 52.7% 54.9% Gross Stage 1 & 2* 14019 14945 15474 % portfol
Slide 25: Stage-wise Movement
Stage-wise Movement Repco Home Finance Limited Figures in Rs. crores Mar’25 Dec’25 Mar’26 Particulars AUM % AUM % AUM % Stage-1 12609 87.0% 13710 89.1% 14359 90.4% Stage-2 1410 9.7% 1235 8.0% 1115 7.0% Stage-3 473 3.3% 450 2.9% 405 2.6% Grand Total 14492 100% 15394 100% 15880 100% Amounts have been
Slide 26: 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* 5,558 709 12.7% 306 5.5% From April 2022* 10,321 407 3.9% 99 1.0% Grand Total 15,880 1115 7.0% 405 2.6% *Financial years categorised based on date of
Slide 27: Borrowing profile
Borrowing profile Repco Home Finance Limited % change Source (Rs Crs) Average cost Q4FY25 Q3FY26 Q4FY26 (Y-o-Y) National Housing Bank 7.69% 876 829 758 -13% Commercial Banks 8.39% 9,246 9,893 10,440 13% Repco Bank 8.50% 1,026 810 659 -36% Commercial Paper 8.38% - 145 148 100% PTC 7.75% - 92.80 85 10
Slide 28: Movement in borrowing cost
Movement in borrowing cost Repco Home Finance Limited 8.90% 8.81% 8.80% 8.74% 8.74% 8.76% 8.74% 8.73% 8.72% 8.72% 8.69% 8.70% 8.68% 8.63% 8.70% 8.65% 8.64% 8.62% 8.60% 8.63% 8.60% 8.54% 8.54% 8.50% 8.50% 8.52% 8.50% 8.45% 8.41% 8.40% 8.38% 8.35% 8.30% 8.20% 8.10% Mar-25 Apr-25 May-25 Jun-25 Jul-25 A
Slide 29: Credit Rating
Credit Rating Repco Home Finance Limited • Credit Rating as on 31st March 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) Certificate
Slide 30: Geographic Presence
Repco Home Finance Limited Geographic Presence Earnings Presentation May 2026 29
Slide 31: 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 7 Pradesh, West Bengal, Odisha &
Slide 32: 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 Mar-25 Dec-25 Mar-26 Y-o-Y Q-o-Q Tamil Nadu 56.8% 57.3% 57.4% 11% 4% Karnataka 12.6% 12.1% 11.7% 3% 0%
Slide 33: Annexure
Repco Home Finance Limited Annexure Earnings Presentation May 2026 32
Slide 34: Shareholding pattern
Shareholding pattern Repco Home Finance Limited Outstanding shares – 6.26 Cr Foreign NRIs, 1.5% Major Non-Promoter Shareholders % Portfolio Others, 1.6% Investors, 13.4% Bandhan Small Cap Fund 7.8% Promoters, Alternative 37.1% ICICI Prudential Banking and Financial Services Fund 4.0% Investment Fund
Slide 35: Profit and loss statement (3M)
Profit and loss statement (3M) Repco Home Finance Limited Figures in Rs crores (Rs. crores) Q4FY26 Q3FY26 QOQ (%) Q4FY25 YoY (%) Income: Revenue from operations 454 457 -1% 424 7% Other income 1 0 1 -42% Total Income 454 457 -1% 425 7% Expenses: Interest and other financial charges 247 249 -1% 246 0
Slide 36: Profit and loss statement (12M)
Profit and loss statement (12M) Repco Home Finance Limited Figures in Rs crores (Rs. crores) Mar’26 Mar’25 YoY (%) Income: Revenue from operations 1,796 1,712 5% Other income 2 3 -34% Total Income 1,798 1,715 5% Expenses: Interest and other financial charges 984 966 2% Employee benefit expense 149 1
Slide 37: Relative performance (3M)
Relative performance (3M) Repco Home Finance Limited Particulars Units Q4FY25 Q3FY26 Q4FY26 Sanctions Rs. Cr 1,059 1,087 1,320 Disbursements Rs. Cr 975 1,064 1,186 Net interest income* Rs. Cr 178 208 207 PAT Rs. Cr 125 109 129 NIM* % 5.1 5.6 5.5 Yield on assets* % 12.2 12.3 12.0 Cost of Borrowings %
Slide 38: Relative performance (12M)
Relative performance (12M) Repco Home Finance Limited Particulars Units Mar’25 Mar’26 Sanctions Rs. Cr 3,519 4,519 Disbursements Rs. Cr 3,284 4,148 Net interest income* Rs. Cr 746 812 PAT Rs. Cr 449 453 NIM* % 5.3 5.4 Yield on assets* % 12.3 11.9 Cost of Borrowings % 8.7 8.6 Spread* % 3.5 3.3 Return
Slide 39: 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