Q3 2026 Repco Home Finance Ltd Earnings Call Transcript
Key Points
- Repco Home Finance Ltd (BOM:535322) achieved a 40% year-on-year growth in disbursements for December 2025 compared to December 2024.
- The company successfully reduced its gross NPA from INR475 crores in September 2025 to INR450 crores by December 2025.
- Repco Home Finance Ltd (BOM:535322) reported a reduction in Stage 2 assets from INR1,323 crores in Q2 to INR1,235 crores in Q3 2025.
- The cost of funds decreased from 8.75% at the beginning of the year to 8.45% by December 2025, reflecting a 30 basis points reduction.
- The company declared a total interim dividend of 43% for the current financial year, up from 40% in the previous year.
- Disbursements in Karnataka were below expectations, impacting the overall target of INR1,092 crores to INR1,100 crores, ending at INR1,064 crores.
- Despite the growth in disbursements, the AUM growth was only 8.8% year-on-year, indicating a high rundown rate of existing loans.
- Stage 2 assets, although reduced, remain high at 7.5%, which is considered elevated for a housing finance company.
- Operating expenses increased due to branch expansions and employee incentives, impacting profitability.
- The competitive environment in Tamil Nadu has intensified, potentially affecting future growth in the region.
(audio in progress) to the Repco Home Finance Q3 FY26 call. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Rajiv Mehta from YES Securities. Thank you, and over to you.
Good evening. Thank you all for joining this Q3 FY26 conference call of Repco Home Finance. From the management side, we have Mr. T. Karunakaran, MD and CEO; Mr. A. Palpandi, Chief Operating Officer; Mr. P.K. Vaidyanathan, Chief Development Officer; Mr. M. Raja, Chief Business Officer; Ms. Shanti Srikanth, Chief Financial Officer; and Mr. Ankush Tiwari, Company Secretary and Compliance Officer.
With this, I hand over the call to Mr. Karunakaran for his opening remarks. Over to you, sir.
Yeah. Thank you, Mr. Rajiv. Good evening to you all. I'm extending a warm welcome to this earnings call of our company to discuss both Q3 results and way
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