Repco Home Finance FY26: Loan Sanctions Up 28% to ₹4,519 Crore, Net Profit at ₹453 Crore
Repco Home Finance reported a 28% YoY increase in loan sanctions to ₹4,519 crore and a 26% rise in disbursements to ₹4,148 crore for FY26. Net profit increased to ₹453 crore from ₹449 crore in FY25. GNPA stood at ₹405 crore with GNPA ratio at 2.55%. The company's capital adequacy ratio was 35.38%.
The financial results show growth in key areas, but the changes are not drastic enough to warrant a 'high' impact.
The announcement contains positive financial results including increased loan sanctions, disbursements, and net profit.
Repco Home Finance Limited announced its audited financial results for the year ended March 31, 2026. Loan sanctions reached ₹4,519 crore in FY26, a 28% increase compared to ₹3,519 crore in FY25. Loan disbursements also grew by 26%, amounting to ₹4,148 crore in FY26 against ₹3,284 crore in the previous year. The overall loan book stood at ₹15,880 crore as of March 31, 2026, reflecting a 9.6% growth from ₹14,492 crore a year prior. The Assets Under Management (AUM) was ₹15,394 crore as of December 31, 2025. As of March 31, 2026, loans to the non-salaried segment accounted for 53% of the outstanding loan book, while the salaried segment accounted for 47%. Housing loans comprised 71% of the loan portfolio, and Home Equity products made up the remaining 29%. All loans are retail loans. The gross non-performing assets (GNPA) amounted to ₹405 crore as of March 31, 2026, compared to ₹473 crore as of March 31, 2025. Net NPA was ₹183 crore as of March 31, 2026, versus ₹191 crore as of March 31, 2025. The GNPA ratio stood at 2.55%, and the Net NPA ratio was 1.17% as of March 31, 2026, against 3.26% and 1.32% respectively as of March 31, 2025. The company has provisions for expected credit losses of ₹343 crore, which is 2.2% of total loan assets. The capital adequacy ratio was 35.38%, exceeding the regulatory requirement of 15%. The company's distribution network includes 210 branches and 32 satellite centers across multiple states and one Union Territory as of March 31, 2026.
In Q4 FY26, loan sanctions grew by 25% to ₹1,320 crore compared to ₹1,059 crore in Q4 FY25. Loan disbursements increased by 22% to ₹1,186 crore, up from ₹975 crore in the same quarter of the previous year. Total income for Q4 FY26 was ₹454 crore, a 7% increase from ₹425 crore in Q4 FY25. Net interest income rose by 16% to ₹207 crore, compared to ₹178 crore in the corresponding quarter of the previous year. Net profits for Q4 FY26 stood at ₹129 crore, slightly higher than ₹125 crore in Q4 FY25. For the full fiscal year, total income reached ₹1,798 crore, a 5% increase from ₹1,715 crore in FY25. Net interest income for FY26 was ₹812 crore, a 9% rise from ₹746 crore in FY25. Net profits for FY26 were ₹453 crore, compared to ₹449 crore in FY25.
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Repco Home Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Repco Home Finance Limited. Read the original for the full detail.