Repco Home Finance (REPCOHOME) investor relations material

Executive summary

• Sanctions for Q1 FY27 were INR 938 crores, up from INR 907 crores in Q1 FY26, with disbursements at INR 843 crores versus INR 829 crores year-over-year; total income for Q1 FY27 was INR 468 crores, a 6% increase year-over-year.

• AUM/loan book as of June 30, 2026, stood at INR 15,990 crores, reflecting 8.9% year-over-year growth.

• The company maintains a diversified loan book, with 57% exposure in Tamil Nadu and a balanced mix between salaried (46.5%) and non-salaried (53.5%) borrowers.

• Home loans constitute about 71% of the book, with home equity loans at 29%.

• Board approved unaudited standalone and consolidated financial results for Q1 FY27, reviewed by statutory auditors and compliant with SEBI regulations.

Financial highlights

• Net interest income increased to INR 216 crores from INR 207 crores year-over-year; operating revenue rose to INR 468 crores from INR 441 crores.

• Net profit for the quarter was INR 114 crores, up from INR 108 crores in Q1 FY26.

• NIM for the quarter stood at 5.4%, with a spread of 3.4%.

• Cost to income ratio improved to 24.3% in Q1 FY27 from 26% in Q1 FY26.

• Consolidated net profit (including associate) for Q1 FY27 was INR 121.62 crores, up from INR 115.14 crores in Q1 FY26.

Outlook and guidance

• Guidance for FY27 remains at INR 5,000 crores in disbursements and 13%-14% AUM growth.

• Target for Q2 is INR 1,200-1,250 crores in disbursements and reducing NPA by INR 40 crores.

• Focus remains on accelerating disbursements, maintaining asset quality, and improving operating efficiency.