Repco Home Finance Q1 FY27 Earnings Call Transcript Released
Repco Home Finance Limited released its Q1 FY2027 earnings call transcript. Disbursements reached ₹843 Crores and sanctions ₹938 Crores. AUM grew 8.9% YoY to ₹15,990 Crores. Net profit was ₹114 Crores. The company aims for ₹5,000 Crores in full-year disbursements and targets ₹1,200-1,250 Crores for Q2 FY2027.
The transcript provides detailed financial performance for Q1 FY2027, including key metrics like disbursements, AUM growth, and profitability. It also outlines future guidance and strategic priorities, which are material information for investors.
The announcement is a transcript of an earnings call, which typically contains factual information about financial performance and future outlook. While the company provided guidance and discussed performance, there were no overwhelmingly positive or negative developments reported.
Repco Home Finance Limited has released the transcript of its Analyst/Investor Conference Call held on August 12, 2026, concerning its Q1 FY2027 earnings. The call featured management including MD & CEO Mr. T. Karunakaran and CFO Ms. Shanthi Srikanth.
During the call, the company reported sanctions of ₹938 Crores and disbursements of ₹843 Crores for Q1 FY2027, compared to ₹907 Crores and ₹829 Crores respectively in Q1 FY2026. Assets Under Management (AUM) stood at ₹15,990 Crores as of June 30, 2026, showing an 8.9% year-on-year growth. The company noted that a transfer and promotion exercise in April and May had temporarily impacted disbursements in the June quarter, but business has since normalized.
Asset quality remained a focus, with Gross NPA (GNP A) at 2.7% (₹427 Crores) as of June 2026, a slight increase from the previous quarter but an improvement year-on-year. The company aims to reduce NPAs to approximately ₹405 Crores by the end of the current quarter. Provisions for ECL stood at ₹352 Crores, with a Provision Coverage Ratio (PCR) of 54%.
Profitability metrics showed a Net Interest Income of ₹216 Crores and Net Profit of ₹114 Crores for the quarter. NIM was maintained at 5.4%, with a spread of 3.4%. The Cost-to-Income ratio was around 26%, and credit cost stood at 0.2% as of June 2026.
Looking ahead, Repco Home Finance plans to accelerate disbursements, maintain asset quality, and improve operating efficiency. They are also looking to diversify their liability side, having secured refinance support of ₹600 Crores from the National Housing Bank. The company reiterated its full-year guidance of ₹5,000 Crores in disbursements, 13-14% AUM growth, and an NPA reduction of ₹40 Crores. For the current quarter (Q2 FY2027), the target is ₹1,200-1,250 Crores in disbursements, with a goal to bring down June NPA levels to March NPA levels.
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