Repco Home Finance Ltd (NSE:REPCOHOME)

Q4 2026 Repco Home Finance Ltd Earnings Call Transcript

May 22, 2026 / 10:30 AM GMT

Release Date Price: ₹388.55 (-1.47%)

Transcript

Key Points

Positve

Repco Home Finance Ltd (BOM:535322) achieved its highest ever quarterly and annual disbursements, with 1,186 crores in Q4 and 4,148 crores for the year.
The company reported a significant reduction in Gross Non-Performing Assets (GNPA), bringing it down from 3.26% to 2.55% by the end of March 2026.
Repco Home Finance Ltd (BOM:535322) maintained a healthy spread of 3.30% and a Net Interest Margin (NIM) of 5.38%.
The company has diversified its borrowing sources, including commercial papers and pass-through certificates, which could help in reducing the cost of funds.
Repco Home Finance Ltd (BOM:535322) declared a total dividend of 75% for the financial year, indicating a commitment to returning value to shareholders.

Negative

The company's loan book growth is significantly below its disbursement growth, primarily due to high prepayments and pre-closures.
Repco Home Finance Ltd (BOM:535322) faced a reduction in interest income by 11.53 crores due to a change in interest calculation methods.
The company experienced a high level of prepayments and pre-closures, particularly from non-salaried customers, impacting loan book growth.
Despite efforts, the company's Asset Under Management (AUM) growth remains a challenge, with a target of 18,000 crores by the end of the current financial year.
The cost-to-income ratio remains a concern, and the company is cautious about increasing its sales force to manage costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

RHFL.NS - Repco Home Finance Ltd
Q4 2026 Repco Home Finance Ltd Earnings Call
May 22, 2026 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Thankshobil.

Good evening.

Thank you so much for joining this, 4th quarter and financial year ending March 31st, 2026, call of Revco Home Finance.

We have, with us, from the management team, Mr.

Tarakaran, MN CEO, Mr.

Pk Waitanathan, a full-time director and Chief Development Officer.

Mr.

M.

Raja, Chief Business Officer.

Mr.

A.

Pala Pandi, Chief Operating Officer.

Mr.

Ankushtiwaricom secretary and Compliance officer, and Miss Shantihika, the CFO.

This side pass out a call to Mr.

Karakarran for his opening remarks postw so you can open the floor for Q&A.

So over to you

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