Repco Home Finance Reports Q1 FY27 Results: Loan Book Grows 8.9% While Asset Quality Improves

Repco Home Finance Reports Q1 FY27 Results: Loan Book Grows 8.9% While Asset Quality Improves​

Repco Home Finance Limited announced the approval of its un-audited financial results for the quarter ended June 30, 2026. The company reported growth in its overall loan book and noted improvements in key asset quality metrics.

The Board of Directors reviewed the results prepared as per Indian Accounting Standards (IND AS).

Loan Book Composition and Status​

As of June 30, 2026, the total loan book stood at Rs. 15,990 crores, marking a growth of 8.9% compared to the figure reported a year ago, which was Rs. 14,690 crores. The company’s Assets Under Management (AUM) as of March 30, 2026, was recorded at Rs. 15,880 crores.

All loans issued by Repco Home Finance are retail loans. Regarding the composition of the outstanding loan book as of June 30, 2026:

• The non-salaried segment accounted for 53.5%.
• The salaried segment accounted for 46.5%.
• Housing loans constituted 70.8% of the total loans.
• Home Equity products made up 29.2% of the outstanding loan book.

Asset Quality Performance​

Repco Home Finance recorded key figures regarding its asset quality during the period. Gross Non-Performing Assets (GNPA) stood at Rs. 427 crores as of June 30, 2026, down from Rs. 485 crores in June 2025 and Rs. 405 crores in March 2026. Net Non-Performing Assets (NNPA) were reported at Rs. 194 crores for the quarter.

The GNPA ratio stood at 2.7%, compared to 3.3% as of June 30, 2025. The Net NPA ratio was recorded at 1.2% for the quarter, matching the figure from June 30, 2025.

For expected credit losses, the company carried provisions amounting to Rs. 353 crores, which represents 2.2% of total loan assets. The Stage-3 assets held a Coverage Ratio of 54.5%.

Key asset quality metrics across different reporting periods are summarized below:

Financial Results Comparison​

The company's financial performance was reviewed across different reporting periods, including comparisons against Q4 FY26 and QI FY26.

Performance in Q1 FY27 vs Q1 FY26​

Total income for the quarter stood at Rs. 468 crores in Q1 FY27, showing a 6.1% growth over the Rs. 441 crores reported in Q1 FY26. Net interest income reached Rs. 216 crores in Q1 FY27, an increase of 10.2% from Rs. 196 crores recorded in Q1 FY26.

Net profits for Q1 FY27 were Rs. 114 crores against Rs. 108 crores reported in Q1 FY26. The company maintained a healthy loan spread of 3.4%. Return on assets (ROA) was 2.9%, leading to a return on equity (ROE) of 12.7% in QI FY27, compared to 2.9% and 14% respectively in Q1 FY26.

Performance in Q1 FY27 vs Q4 FY26​

In comparison to Q4 FY26, loans sanctioned in Q1 FY27 amounted to Rs. 938 crores, down from Rs. 1,320 crores in Q4 FY26. Loan disbursements stood at Rs. 843 crores against Rs. 1,186 crores disbursed in the previous quarter.

Total income in Q1 FY27 was Rs. 468 crores, a 3% growth from Rs. 454 crores recorded in Q4 FY26. Net interest income grew by 4.3%, rising to Rs. 216 crores against Rs. 207 crores in Q4 FY26.

Capital Adequacy and Distribution Network​

The capital adequacy ratio stood at 36.13%, significantly above the minimum regulatory requirement of 15%.

As of June 30, 2026, Repco Home Finance maintained a wide distribution network, encompassing 210 branches and 32 satellite centers across various states and Union Territories.

REPCOHOME Stock Price Movement​

Shares of Repco Home Finance Limited slipped on Tuesday, settling at ₹376.35 after shedding 1.01% from its previous close. The equity saw a volume of 142,973 shares traded during the session as it traded within the bounds of a low of ₹373.05 and a high of ₹382.15.