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Repco Home Finance Limited (REPCOHOME)

₹340.75 +3.43% last close, 16 Oct

📊 NSE: REPCOHOME 🏢 Finance - Housing 📢 Latest filing: 15 Oct 2026 📝 Analysis written: 14 Dec 2025

Latest quarterly results (Q1 FY27)

In its latest reported quarter, Q1 FY27, Repco Home's net interest income was ₹216 Cr (+10.4% year on year, +4.5% on the previous quarter), and net profit ₹122 Cr (+5.8% year on year).

Q1 FY27 (₹ Cr)	Value	YoY vs Q1 FY26	QoQ
Net interest income	₹216	+10.4%	+4.5%
Operating profit	₹148	—	—
Net profit	₹122	+5.8%	-9.9%
EPS (₹)	19.44	+5.7%	-10.0%

Full quarterly financials → Results calendar →

REPCOHOME delivery percentage

NSE end-of-day data for Fri, 16 Oct 2026

On Fri, 16 Oct 2026, 67.86% of the REPCOHOME shares traded on NSE were taken to delivery, against the stock's own 20-session average of 59.11%. The price rose 3.43% on that unusually high delivery, the pattern the delivery dashboard labels accumulation.

67.86%Delivery, 16 Oct

59.11%Own 20-session average

1.3×Volume vs its average

₹340.75NSE close · +3.43%

Delivery in the last 5 sessions: 53.1% · 52.0% · 55.2% · 60.0% · 67.9%

Delivery across the market →

A description of what the exchange published, not a recommendation. Names such as "accumulation" or "long buildup" label a pattern in the numbers. How delivery is analysed

📢 Recent Corporate Announcements

Repco Home Finance Assigned Voluntary ESG Score of 62 ('Strong') by ESG Risk Assessments

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 15 Oct 2026, 01:26 PM

Repco Home Finance Limited has disclosed an unsolicited ESG rating assigned by M/s. ESG Risk Assessments and Insights Limited. The agency independently assigned an ESG score of '62', categorizing the company's profile as 'strong'. The evaluation was non-commissioned and prepared solely using publicly available information. This is an ESG appraisal rather than a credit rating on the company's borrowing instruments.

Assigned an ESG score of '62', categorized as 'strong'
Rating voluntarily evaluated by M/s. ESG Risk Assessments and Insights Limited
Company did not engage the agency; assessment based entirely on publicly available data
Filing made pursuant to Regulation 30 under SEBI LODR Regulations on 15th October, 2026

💡 Track the upcoming Q2 FY27 financial results and loan disbursement growth rather than voluntary ESG ratings, which do not alter operational cash flows or cost of funds.

Repco Home Finance Submits Q2 FY27 Debt Compliance Under Reg 6(1) & 7(1)

🟡 NEUTRAL ⭐ 1/10

ROUTINE 📅 07 Oct 2026, 02:53 PM

Repco Home Finance Limited has submitted its quarterly compliance filing under Regulation 6(1) and 7(1) of SEBI LODR Regulations for the quarter ended September 30, 2026. The filing confirms Ankush Tiwari continues as the Company Secretary and Compliance Officer (appointed on August 4, 2021). It also confirms KFin Technologies Limited as the Registrar and Transfer Agent (RTA) for debt securities, appointed on September 2, 2025. This is a purely administrative disclosure with no financial or operational impact.

Quarterly compliance report submitted for the quarter ended September 30, 2026
Compliance Officer Ankush Tiwari in place since appointment date August 4, 2021
KFin Technologies Limited maintained as RTA for debt securities since September 2, 2025
Filing made under SEBI LODR Regulations 6(1) and 7(1)

💡 No action required. Investors should look ahead to the upcoming Q2 FY27 earnings release to assess loan book growth and asset quality trends.

Repco Home Finance Shareholders Approve Borrowing Limit Hike to Rs 20,000 Cr from Rs 15,000 Cr

🟡 NEUTRAL ⭐ 4/10

FUNDRAISE 📅 29 Sep 2026, 07:09 PM

Repco Home Finance Limited announced that shareholders at its 26th AGM on September 29, 2026, approved raising the company's borrowing limit under Section 180(1)(c) from Rs 15,000 crore to Rs 20,000 crore. This Rs 5,000 crore enhancement provides headroom to support loan asset growth beyond its recent AUM level of Rs 15,033.4 crore (as of September 2025). The revised limit represents approximately 5.1x the company's net worth of Rs 3,905 crore. This is an enabling corporate resolution rather than an immediate debt issuance.

Borrowing limit enhanced from Rs 15,000 Crores to Rs 20,000 Crores
Approval granted under Section 180(1)(c) of the Companies Act, 2013
Passed by members at the 26th AGM held on 29th September, 2026
Provides an incremental borrowing headroom of Rs 5,000 Crores

💡 Track upcoming debt issuances, cost of borrowings (previously 8.6%), and quarterly disbursement growth to see how rapidly the new headroom is utilized.

Repco Home Finance Shareholders Approve Rs 3 Per Share Final Dividend for FY26

🟡 NEUTRAL ⭐ 5/10

DIVIDEND 📅 29 Sep 2026, 06:59 PM

Repco Home Finance Limited announced that shareholders approved a final dividend of Rs 3 per equity share (face value of Rs 10 each) for FY25-26 at its 26th AGM on September 29, 2026. Relative to the company's FY26 net profit of Rs 475 Cr and TTM EPS of Rs 77.03, the payout represents a modest dividend distribution. At the current share price of Rs 343.6, the dividend yield works out to approximately 0.87%.

Final dividend declared at Rs 3 per equity share of face value Rs 10
Approval granted by members at the 26th AGM held on September 29, 2026
Applicable for the financial year ended March 31, 2026
Implies a dividend yield of approximately 0.87% on the current share price of Rs 343.6

💡 Track the dividend payment timeline and monitor upcoming Q2 FY27 earnings for updates on loan book expansion and net interest margins.

ICRA Assigns Provisional Ratings for ₹78 Cr PTCs Issued by PRATHAM 09 2026

🟡 NEUTRAL ⭐ 4/10

FUNDRAISE 📅 25 Sep 2026, 05:59 PM

Repco Home Finance announced that ICRA Limited has assigned provisional credit ratings for Pass-Through Certificates (PTCs) to be issued by PRATHAM 09 2026. The transaction involves total principal securitisation of ₹78.00 crore. Series A1 SNs amounting to ₹74.02 crore received a Provisional [ICRA]AAA(SO) rating. The Equity Tranche SNs of ₹3.98 crore received a Provisional [ICRA]AA(SO) rating.

ICRA assigned provisional ratings for Pass-Through Certificates issued by PRATHAM 09 2026
Series A1 SNs rated Provisional [ICRA]AAA(SO) for principal of ₹74.02 crore
Equity Tranche SNs rated Provisional [ICRA]AA(SO) for principal of ₹3.98 crore
Total transaction size across both tranches equals ₹78.00 crore

💡 Track the completion and pricing of this securitisation transaction and its impact on the company's borrowing diversification in upcoming quarterly updates.

Repco Home Finance Redeems Rs 75 Cr Commercial Paper on Maturity

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 21 Sep 2026, 02:40 PM

Repco Home Finance Limited has confirmed the full redemption of its unlisted Commercial Papers aggregating to Rs 75 crore on their maturity date of September 21, 2026. The redeemed instrument carried ISIN INE612J14596 and was settled as scheduled. For context, the Rs 75 crore redemption represents approximately 4.1% of the company's TTM revenue of Rs 1,822 crore and 1.9% of its net worth of Rs 3,905 crore. This is a routine treasury settlement reflecting orderly short-term debt servicing.

Redeemed commercial papers aggregating to Rs 75 crore in full upon maturity
Maturity proceeds paid on September 21, 2026
Redeemed securities carried ISIN INE612J14596
The Rs 75 crore redemption equals ~4.1% of TTM revenue (Rs 1,822 crore)

💡 Track the upcoming Q2 FY27 earnings for updates on overall borrowing costs and asset-liability management (ALM) metrics.

Repco Home Finance Updates Authorized Key Personnel for Regulation 30 Materiality Disclosures

🟡 NEUTRAL ⭐ 1/10

ROUTINE 📅 17 Sep 2026, 12:51 PM

Repco Home Finance Limited has submitted an updated list of authorized Key Managerial Personnel (KMP) and Senior Management Personnel under Regulation 30 of SEBI LODR Regulations. A total of 6 officials, including the MD & CEO, WTD & CDO, CBO, COO, CS, and CFO, are severally authorized to determine materiality and report events to stock exchanges. The filing is entirely procedural and has no impact on the company's financial operations or earnings. Repco Home Finance has a market capitalization of Rs 2,171 Cr with a TTM PAT of Rs 482 Cr.

List identifies 6 Key Managerial and Senior Management Personnel authorized under Regulation 30
Officials include MD & CEO Mr. T. Karunakaran and CFO Mrs. Shanthi Srikanth
Compliance filing submitted pursuant to SEBI LODR Regulations on 17th September, 2026

💡 No action is required as this is a standard administrative disclosure; investors should track upcoming Q2 FY27 earnings for business performance.

Repco Home Finance Appoints Bakthavatsalu Kannan as Chief Development Officer

🟡 NEUTRAL ⭐ 4/10

MANAGEMENT 📅 16 Sep 2026, 05:26 PM

Repco Home Finance Limited announced that Mr. Paiyur Kuppuraman Vaidyanathan has resigned as Whole-time Director and Chief Development Officer effective September 16, 2026, due to the reversal of his deputation by promoter Repco Bank. Concurrently, Mr. Bakthavatsalu Kannan, an existing Whole-time Director and General Manager at Repco Bank with over 31 years of banking experience, has been appointed as Chief Development Officer effective September 17, 2026. His tenure will be co-terminus with his deputation from Repco Bank, where his directorship was originally approved for a 2-year period starting August 24, 2026.

Cessation of Mr. Paiyur Kuppuraman Vaidyanathan as Whole-time Director and CDO effective close of business hours September 16, 2026
Appointment of Mr. Bakthavatsalu Kannan as Chief Development Officer effective September 17, 2026
Bakthavatsalu Kannan brings over 31 years of banking sector experience
Kannan was appointed Whole-time Director for a period of 2 years starting August 24, 2026, with his CDO role co-terminus with his deputation

💡 Track ongoing leadership stability and loan disbursement growth under the new Chief Development Officer during upcoming quarterly results.

Repco Home Finance: P.K. Vaidyanathan Steps Down as WTD & CDO; B. Kannan Takes Charge

🟡 NEUTRAL ⭐ 5/10

MANAGEMENT 📅 16 Sep 2026, 05:26 PM

Repco Home Finance announced that Mr. Paiyur Kuppuraman Vaidyanathan has ceased to be the Whole-time Director and Chief Development Officer effective close of business hours on September 16, 2026. This follows promoter Repco Bank's decision to reverse his deputation back to the bank. Consequently, Mr. Bakthavatsalu Kannan, Whole-time Director with over 31 years of banking experience, has taken charge as the Chief Development Officer effective September 17, 2026. His tenure as CDO is aligned with his two-year WTD term from August 24, 2026, or co-terminus with his deputation from Repco Bank.

Cessation of Mr. Paiyur Kuppuraman Vaidyanathan as Whole-time Director and CDO effective close of business hours on September 16, 2026
Deputation reversed by promoter Repco Bank back to the bank as per letter dated September 11, 2026
Mr. Bakthavatsalu Kannan appointed as Chief Development Officer effective September 17, 2026
Mr. Kannan brings over 31 years of banking sector experience and was appointed WTD for 2 years starting August 24, 2026

💡 Track whether leadership continuity at the operational and loan development level maintains the company's targeted 10-15% growth trajectory and disbursement momentum.

Repco Home Finance: ED & Chief Development Officer P.K. Vaidyanathan to Step Down on Sept 16, 2026

🟡 NEUTRAL ⭐ 5/10

MANAGEMENT 📅 11 Sep 2026, 04:35 PM

Repco Home Finance announced that its promoter, Repco Bank, has reversed the deputation of Mr. Paiyur Kuppuraman Vaidyanathan. Consequently, he will cease to be the Whole-time Director and Chief Development Officer effective September 16, 2026. The promoter recalled the official due to exigencies at the parent organization, with no other material reasons cited. Repco Home Finance recorded TTM revenue of Rs 1,822 Cr and TTM PAT of Rs 482 Cr.

Cessation of Mr. Paiyur Kuppuraman Vaidyanathan as Whole-time Director and Chief Development Officer
Effective date of cessation is September 16, 2026
Deputation reversed by promoter Repco Bank via letter dated September 11, 2026
Promoter Repco Bank holds a 37.13% stake in the housing finance company

💡 Monitor any follow-up board appointments for the Chief Development Officer position and observe whether operational execution or loan growth momentum is affected.

Repco Home Finance Dispatches 26th AGM Notice and FY26 Report; Proposes ₹3/Share Dividend

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 07 Sep 2026, 05:39 PM

Repco Home Finance Limited has informed the exchanges regarding the dispatch of its 26th Annual General Meeting (AGM) notice and Annual Report for FY 2025-26 to shareholders. The AGM is scheduled for September 29, 2026, via video conferencing. The company confirmed a recommended final dividend of ₹3 per equity share (face value ₹10) subject to shareholder approval. The cut-off date for e-voting entitlement is September 22, 2026, with remote e-voting taking place between September 26 and September 28, 2026.

26th Annual General Meeting scheduled for Tuesday, 29th September 2026 at 11:30 AM IST
Final dividend of ₹3 per equity share (face value ₹10) proposed for member approval
Cut-off date for e-voting set for Tuesday, 22nd September 2026
Remote e-voting open from 9:00 AM on 26th September to 5:00 PM on 28th September 2026
TDS exemption documents (Form 15G/15H) to be submitted by 5:00 PM on 16th September 2026

💡 Eligible shareholders should verify that PAN and email/bank details are updated and note the September 22, 2026 record/cut-off date for AGM voting and dividend eligibility.

Repco Home Finance MD & CEO Concludes Institutional Investor Meet in Mumbai

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 03 Sep 2026, 06:50 PM

Repco Home Finance informed the exchanges that Managing Director and CEO T. Karunakaran participated in the Ashwamedh – Elara India Dialogue 2026 in Mumbai on September 3, 2026. The management interacted in a group meeting with 6 institutional investors and funds, including Kriis PMS, New Mark Capital, and Purnartha Investments. Discussions covered current business trends, sector outlook, competitive positioning, and Q1 FY2027 performance. The company confirmed that no unpublished price-sensitive information (UPSI) was shared.

MD & CEO T. Karunakaran attended group meetings on September 3, 2026, at 4:00 PM IST in Mumbai
Interacted with 6 institutional funds including New Mark Capital, Purnartha Investments, and Kriis PMS
Discussions focused on industry scenario, strategic adaptation, and Q1 FY2027 financial performance
Company confirmed zero disclosure of unpublished price-sensitive information (UPSI)

💡 Track upcoming quarterly operational updates and disbursement trends to see if management's 10-15% growth target materializes.

Repco Home Finance Submits FY26 Business Responsibility & Sustainability Report

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 02 Sep 2026, 04:38 PM

Repco Home Finance Limited has submitted its Business Responsibility & Sustainability Report (BRSR) for FY 2025-26 pursuant to SEBI LODR regulations. The disclosure confirms standalone operations spanning 253 offices across 12 states and 1 Union Territory, with core housing finance activities generating 99.14% of total turnover. The company reported a total workforce of 1,593 personnel and recorded turnover of Rs 1,795.79 crore alongside a net worth of Rs 3,904.90 crore for the fiscal year.

Core financial services (home loans and LAP) accounted for 99.14% of total turnover in FY26
Branch network stood at 253 total offices spread across 12 states and 1 Union Territory
Total headcount stood at 1,593 employees (1,384 permanent and 209 non-permanent) with a 21.95% permanent employee turnover rate
Customer complaints received rose to 1,481 in FY26 (6 pending) compared to 922 in FY25

💡 This is a routine annual statutory compliance filing with no operational or financial impact; investors should monitor upcoming Q2 FY27 quarterly financial results and loan book growth metrics.

Repco Home Finance Sets Sep 22, 2026 Record Date for FY26 Final Dividend & AGM

🟡 NEUTRAL ⭐ 3/10

DIVIDEND 📅 02 Sep 2026, 04:37 PM

Repco Home Finance Limited has fixed September 22, 2026, as the record date for determining shareholder eligibility for its final dividend for FY 2025-26 and the 26th Annual General Meeting (AGM). The company's Register of Members and Share Transfer Books will be closed from September 23, 2026, to September 29, 2026. Subject to approval by shareholders at the AGM, the dividend will be paid within 30 days of declaration.

Record date determined as 22nd September, 2026 for final dividend FY 2025-26 and 26th AGM
Share transfer books closed from 23rd September, 2026 to 29th September, 2026 (both days inclusive)
Final dividend to be paid within 30 days of AGM shareholder approval

💡 Investors seeking dividend entitlement must hold shares prior to the ex-dividend date associated with the September 22, 2026 record date.

Repco Home Finance Sets Sept 22 Record Date for ₹3/Share Final Dividend; AGM on Sept 29

🟡 NEUTRAL ⭐ 5/10

DIVIDEND 📅 02 Sep 2026, 04:36 PM

Repco Home Finance has issued notice for its 26th Annual General Meeting scheduled for September 29, 2026, via video conferencing. The company has proposed a final dividend of ₹3.00 (30%) per equity share of face value ₹10 for FY26. The record date for determining shareholder eligibility for both dividend and AGM voting is September 22, 2026. Approved dividends will be disbursed within 30 days of the AGM.

Proposed final dividend of ₹3.00 (30%) per equity share of face value ₹10 for FY26
Record date fixed as September 22, 2026 for final dividend and AGM voting entitlement
26th AGM scheduled on September 29, 2026, with remote e-voting from September 26 to 28, 2026
Share transfer books will remain closed from September 23, 2026 to September 29, 2026

💡 Investors seeking dividend eligibility must hold shares before the ex-dividend date prior to September 22, 2026, and track AGM voting outcomes on September 29, 2026.

View All REPCOHOME Announcements on Live Market Tracking →

💰 Financial Performance

Revenue Growth by Segment

Revenue from operations grew 4% YoY to INR 445.1 Cr in Q2 FY26 from INR 426.5 Cr. The loan book is segmented into Home Loans (71% of portfolio) and Home Equity (29% of portfolio).

Geographic Revenue Split

The portfolio is highly concentrated in South India, with Tamil Nadu (TN) accounting for 57% of the total loan portfolio as of June 2025.

Profitability Margins

Net profitability (PAT/AMA) stood at 3.0% in FY25 compared to 2.9% in FY24. In Q2 FY26, the Return on Assets (RoA) was 2.9% and Return on Equity (RoE) was 13.5%, down from 16.0% in Q2 FY25.

EBITDA Margin

Pre-provision operating profit (PPOP) rose 5% to INR 550 Cr in FY25 from INR 524 Cr in FY24. Net Interest Margin (NIM) remained stable at 5.5% in Q2 FY26 compared to Q2 FY25.

Capital Expenditure

Not disclosed in available documents as the company is a financial services provider; however, Net Owned Funds (NOF) increased to INR 3,464.2 Cr by Sep 2025 from INR 2,867.9 Cr in Sep 2024, representing a 20.8% increase in capital base.

Credit Rating & Borrowing

The company maintains a 'Stable' outlook from rating agencies. The cost of borrowings decreased to 8.6% in Q2 FY26 from 8.8% in Q2 FY25, a reduction of 20 basis points.

⚙️ Operational Drivers

Raw Materials

Not applicable for financial services; the primary 'raw material' is borrowed capital. Bank funding represents a significant portion of the funding profile.

Key Suppliers

The company relies on various banks for funding, though specific lender names are not listed; bank funding is noted as a concentrated source of capital.

Capacity Expansion

Current loan book (AUM) is INR 15,033.4 Cr as of Sep 2025, growing 7.7% from INR 13,964.4 Cr in Sep 2024. The company achieved its highest-ever quarterly disbursement of INR 1,069.1 Cr in Q2 FY26.

Raw Material Costs

Interest and financial charges (cost of capital) were INR 244.4 Cr in Q2 FY26, up 2% YoY. The company reduced its Marginal Lending Rate (MLR) to 10% from 10.10% effective July 1, 2025.

Manufacturing Efficiency

Cost-to-income ratio stood at 26.3% for the half-year ended Sep 2025, compared to 25.0% in the previous year, reflecting higher operational costs from expansion.

Logistics & Distribution

Distribution is handled through a branch network; employee benefit expenses (the primary distribution cost) rose 21% YoY to INR 34.3 Cr in Q2 FY26.

📈 Strategic Growth

Expected Growth Rate

10-15%

Growth Strategy

The company targets a 10-15% CAGR over the next three fiscals by focusing on 'growth with quality.' Strategies include structural organizational changes, strengthening the credit review process, and maintaining a stable 22% month-on-month growth in disbursements.

Products & Services

Individual Home Loans for purchase/construction and Home Equity (Loan Against Property) products.

Brand Portfolio

Repco Home Finance (RHFL).

New Products/Services

Not specifically disclosed, but the company is focusing on increasing the 'Non-Salaried' segment which now constitutes 53% of the loan mix.

Market Expansion

The company is undergoing operational expansion and structural changes to support a higher growth trajectory compared to the historical 4% CAGR.

Strategic Alliances

Promoted by Repatriates Cooperative Finance and Development Bank Limited (Repco Bank).

🌍 External Factors

Industry Trends

The HFC sector is seeing a trend of improving asset quality; RHFL's Stage 3 assets declined from 3.96% to 3.16% YoY. There is a shift toward digital credit review and tighter underwriting to manage credit costs.

Competitive Landscape

Faces intense competition from banks and other HFCs, which pressures lending rates (MLR cut to 10%).

Competitive Moat

Moat is built on a strong presence in the South Indian market and expertise in the non-salaried segment (53% of mix). Sustainability depends on maintaining lower delinquency levels (currently 3.16% Stage 3) relative to peers.

Macro Economic Sensitivity

Highly sensitive to interest rate cycles and the regulatory environment for Housing Finance Companies (HFCs) governed by RBI/NHB.

Consumer Behavior

Increasing demand for home equity products, which now comprise 29% of the portfolio compared to 26% in Sep 2024.

Geopolitical Risks

Low direct impact as operations are concentrated in South India, primarily Tamil Nadu.

⚖️ Regulatory & Governance

Industry Regulations

Complies with NHB/RBI Master Directions for HFCs, including capital adequacy (CRAR) and NPA classification norms. Secretarial audit for FY25 reported full compliance with the Companies Act 2013.

Environmental Compliance

The company files a Business Responsibility and Sustainability Report (BRSR) as per SEBI mandates for top 1000 listed entities.

Taxation Policy Impact

Effective tax rate for Q2 FY26 included a current tax of INR 20.1 Cr and deferred tax of INR 15.4 Cr on a PBT of INR 142.4 Cr.

Legal Contingencies

The company monitors divergence in classification and provisioning for NPAs as per NHB/RBI supervisory findings; specific court case values are not disclosed.