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Repco Home Finance (REPCOHOME) investor relations material
Repco Home Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
September 2026 loan book reached INR 16,425 crore, up 9.2% YoY; Q2 disbursements were INR 1,205 crore and GNPA was 2.4% on the operating measure.
Standalone Q2 net profit was INR 115.86 crore; H1 net profit was INR 230.01 crore. Consolidated H1 profit after tax and associate earnings was INR 240.71 crore.
Financial highlights
Standalone Q2 revenue from operations was INR 481.20 crore versus INR 445.08 crore YoY; H1 revenue was INR 948.90 crore versus INR 885.34 crore.
Standalone Q2 PBT was INR 149.22 crore versus INR 142.44 crore YoY; H1 PBT was INR 296.96 crore versus INR 288.77 crore.
Standalone Q2 net profit was INR 115.86 crore versus INR 106.94 crore YoY; H1 net profit was INR 230.01 crore versus INR 214.89 crore.
Q2 sanctions were INR 1,359 crore and disbursements INR 1,205 crore, versus INR 1,205 crore and INR 1,069 crore YoY.
H1 sanctions were INR 2,297 crore and disbursements INR 2,048 crore, versus INR 2,112 crore and INR 1,898 crore in H1 FY26.
Outlook and guidance
Disbursement guidance: INR 1,300–1,350 crore for Q3 and INR 1,650–1,700 crore for Q4; H2 target INR 3,000–3,050 crore.
FY27 net profit expectation is INR 480–490 crore; H1 profit was INR 230.01 crore.
Target GNPA below 2% by year-end; management expects growth without diluting asset quality.
Cost of funds may rise 10–15 bps; borrower repricing may follow with a one-quarter lag, and spreads may settle at 3.2%–3.3%.
- Loan book grew over 48%, PAT reached Rs 15.57 crore and net NPA fell to 0.86%.REPCOHOME
Q4 07/08 - PAT rose over 73% as the loan portfolio grew over 51%, with NNPA held at 0.70%.REPCOHOME
Q4 08/09 - Portfolio grew 42%, PAT 64%; FY11 plan targets Rs.2,100 crore outstanding.REPCOHOME
Q4 09/10 - Loan portfolio grew 47% as PAT rose 31%; an IPO and 25 new branches were planned.REPCOHOME
Q4 10/11 - Loan book grew 35% to Rs 2,802.16 crore as FY12 PAT reached Rs 61.46 crore.REPCOHOME
Q4 11/12 - FY14 delivered 46.93% disbursement growth, higher profit, and improved net asset quality.REPCOHOME
Q4 13/14 - Loan book grew 26.41%, PAT rose 30.20%, and IPO proceeds backed expansion.REPCOHOME
Q4 12/13 - Loan book grew 28.98%, asset quality improved, and special-reserve DTL tempered PAT growth.REPCOHOME
Q4 14/15 - FY16 delivered strong loan and profit growth with stable asset quality, but concentration risks remain.REPCOHOME
Q4 15/16
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Next Repco Home Finance earnings date
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