Repco Home Finance Q1FY27: Loan Sanctions ₹938 Cr, Disbursements ₹843 Cr, PAT ₹114 Cr
Repco Home Finance reported Q1FY27 results with loan sanctions at ₹938 Cr and disbursements at ₹843 Cr. Net profit stood at ₹114 Cr. The loan book grew to ₹15,990 Cr. GNPA was 2.7% and Total Capital Adequacy Ratio was 36.1%. The company operates across 12 states and 1 UT.
The announcement provides detailed quarterly financial results and operational data, which is material for investors. However, the performance metrics show both positive and negative trends, leading to a neutral to moderate impact.
The results show a mixed performance with a decrease in sanctions and disbursements compared to the previous quarter, but an increase in total income and a slight improvement in GNPA compared to the same quarter last year. Net profit decreased sequentially.
Repco Home Finance Limited (RHFL) has released its investor presentation detailing the financial performance for the quarter ended June 30, 2026 (Q1FY27).
During the first quarter of FY27, loan sanctions stood at ₹938 crores, a decrease from ₹1320 crores in Q4 FY26 but an increase from ₹907 crores in Q1 FY26. Loan disbursements were ₹843 crores, down from ₹1186 crores in Q4 FY26 but higher than ₹829 crores in Q1 FY26.
Total income for Q1 FY27 was ₹468 crores, showing a slight increase from ₹454 crores in Q4 FY26 and ₹441 crores in Q1 FY26. The Gross Non-Performing Asset (GNPA) ratio was 2.7% for Q1 FY27, a marginal increase from 2.6% in Q4 FY26 but an improvement from 3.3% in Q1 FY26. Stage-2 assets were at 7.2%, slightly up from 7.0% in the previous quarter but improved from 9.7% in Q1 FY26.
Net profit for the quarter was ₹114 crores, compared to ₹129 crores in Q4 FY26 and ₹108 crores in Q1 FY26. The company's employee strength as of June 30, 2026, was 1,571. The overall loan book grew to ₹15,990 crores by the end of June 30, 2026, compared to ₹14,690 crores a year prior. The Assets Under Management (AUM) stood at ₹15,880 crores as of March 31, 2026.
As of June 30, 2026, loans to the non-salaried segment constituted 53.5% of the loan book, while the salaried segment accounted for 46.5%. Housing loans represented 70.8% of the total loans, with Home Equity products making up 29.2%. All loans provided by the company are retail loans.
The company maintains a Total Capital Adequacy Ratio of 36.1% and has a network of 242 branches and satellite centers across 12 states and 1 Union Territory. Credit ratings as of June 30, 2026, include 'AA-/ Stable' for Term Loans and Non-Convertible Debentures from CARE and ICRA, and 'A1+' for Commercial Paper from CARE and ICRA.
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