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REPCOHOME - Repco Home Fin

📊 NSE: REPCOHOME 🏢 Finance - Housing 📅 Last Updated: 12/14/2025 11:50

📢 Recent Corporate Announcements

Repco Home Finance Allots NCDs Worth Rs 125 Crore at 8.40% Coupon

🟢 POSITIVE ⭐ 6/10

FUNDRAISE 📅 13 Mar 2026, 12:37 PM

Repco Home Finance has successfully allotted 12,500 Non-Convertible Debentures (NCDs) to raise Rs 125 crore via a private placement on the BSE platform. The NCDs carry a fixed coupon rate of 8.40% per annum with interest payable monthly, which is a standard rate for the housing finance sector. The tenure is 36 months, featuring a staggered redemption schedule where 34% is repaid in the first year and 33% in each of the subsequent two years. This fundraise will likely be utilized to support the company's ongoing lending operations and strengthen its liquidity position.

Total fundraise of Rs 125 crore through 12,500 NCDs of Rs 1 lakh face value each
Fixed coupon rate of 8.40% per annum with a monthly interest payment frequency
Staggered redemption: 34% in March 2027, 33% in March 2028, and 33% in March 2029
Secured by hypothecated assets with a minimum security cover of 1.10 times
Additional interest of 2.00% p.a. over the coupon rate in case of default

💡 Investors should view this as a routine but positive liquidity management exercise that supports loan growth. Monitor the company's net interest margins (NIMs) to see how effectively this 8.40% cost of debt is being deployed.

Repco Home Finance Secures [ICRA]AAA(SO) Final Rating for Pass-Through Certificates

🟢 POSITIVE ⭐ 6/10

OTHER 📅 20 Feb 2026, 05:09 PM

Repco Home Finance Limited has received final credit ratings from ICRA Limited for its Pass-Through Certificates (PTCs) under the Pratham 12 2025 trust. The Series A1 SNs have been assigned the highest rating of [ICRA]AAA(SO), while the Equity Tranche SNs received an [ICRA]AA-(SO) rating. This finalization follows the company's initial disclosure in December 2025. High ratings for these instruments indicate strong underlying asset quality and provide the company with efficient liquidity management through securitization.

ICRA assigned final [ICRA]AAA(SO) rating to Series A1 SNs of Pratham 12 2025 trust.
Equity Tranche SNs received a final rating of [ICRA]AA-(SO).
The ratings confirm the credit quality of the securitized loan pool following the initial December 2025 intimation.
Securitization at these high ratings helps the company manage liquidity and capital adequacy effectively.

💡 The high credit ratings for the securitized pool reflect healthy asset quality and robust underwriting standards. Investors should view this as a positive indicator of the company's ability to access diverse funding channels.

Repco Home Finance Shareholders Approve Appointment of Whole-Time Director with 99.89% Majority

🟢 POSITIVE ⭐ 6/10

MANAGEMENT 📅 13 Feb 2026, 01:53 PM

Repco Home Finance Limited has received shareholder approval for the appointment of Mr. Paiyur Kuppuraman Vaidyanathan as a Whole-Time Director. The resolution was passed via a postal ballot with an overwhelming majority of 99.89% of the valid votes cast in favor. Total voting participation stood at 69.68% of the company's shares, with promoters and institutional investors providing near-unanimous support. This appointment strengthens the company's leadership team and reflects high investor confidence in the board's selection.

Appointment of Mr. Paiyur Kuppuraman Vaidyanathan as Whole-Time Director approved with 99.89% majority.
Total valid votes cast amounted to 4,35,96,032, representing 69.68% of the total shareholding.
Promoter group cast 2,32,30,606 votes, all 100% in favor of the resolution.
Institutional investors showed strong confidence with 99.78% of their 2.03 crore votes in favor.

💡 The high level of institutional and promoter support for this management appointment is a positive signal for corporate governance. Investors should monitor the company's operational performance under the reinforced leadership team.

Repco Home Finance Opens Special Window for Physical Share Transfer Re-lodgement

🟡 NEUTRAL ⭐ 3/10

REGULATORY 📅 10 Feb 2026, 05:04 PM

Repco Home Finance Limited has announced a special window for shareholders to re-lodge transfer requests for physical shares. This action is in compliance with SEBI circulars issued on July 02, 2025, and January 30, 2026, regarding share transfer norms. The company has disseminated this information through national and regional newspapers, as well as social media platforms like LinkedIn. This is a procedural update aimed at facilitating shareholder services for those still holding physical certificates.

Compliance with SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/97.
Special window established for re-lodgement of transfer requests for physical shares.
Notices published in Financial Express (All India) and Dinamani (Chennai) on February 10, 2026.
Information disseminated via official social media (LinkedIn) and company website.

💡 Shareholders holding shares in physical form should review the published notices to utilize the special transfer window. No action is required for investors holding shares in demat form.

Repco Home Finance Q3 FY26: 40% YoY Disbursement Growth and Improved Asset Quality

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 10 Feb 2026, 05:03 PM

Repco Home Finance reported a strong Q3 FY26 with disbursements reaching ₹1,069 Crores, marking a 40% year-on-year increase. The company's AUM grew 8.8% YoY to ₹15,394 Crores, and management is confident in reaching their ₹16,200 Crore year-end target. Asset quality showed significant improvement as Gross NPA fell to ₹449.53 Crores and Stage 2 assets reduced by ₹250 Crores year-on-year. Additionally, the Board declared a second interim dividend of 20%, bringing the total dividend for the financial year to 45%.

Disbursements grew 40% YoY to ₹1,069 Crores, crossing the ₹1,000 Crore mark for the second time this fiscal.
Gross NPA reduced to ₹449.53 Crores from ₹545 Crores YoY, with a target to reach 2.5% by year-end.
Net Interest Margin (NIM) remained healthy at 5.41% with a steady spread of 3.3% and yield on assets at 12%.
Cost of funds decreased by 30 basis points over nine months to 8.45%, aided by liability diversification including PTC and CP.
Management provided a robust disbursement guidance of ₹5,000 Crores for the next financial year (FY27).

💡 Investors should monitor the company's successful expansion into non-Tamil Nadu markets and its ability to maintain high spreads. The stock remains attractive for those seeking a combination of growth and dividend yield given the 45% total interim payout.

Repco Home Finance Releases Q3 FY26 Earnings Call Audio and Investor Presentation

🟡 NEUTRAL ⭐ 4/10

EARNINGS 📅 06 Feb 2026, 07:56 PM

Repco Home Finance has released the audio recording and detailed investor presentation for its Q3 and nine-month financial results ended December 31, 2025. The earnings call, held on February 6, 2026, allowed management to discuss the company's unaudited financial performance with analysts and institutional investors. These resources provide deeper context into the company's operational metrics and strategic outlook. The disclosure is a routine regulatory requirement under SEBI's Listing Obligations and Disclosure Requirements.

Earnings conference call for Q3 and 9M FY26 concluded on February 6, 2026.
Audio recording of the group call made available via official company links for public access.
Investor presentation detailing financial performance for the period ended December 31, 2025, is now published.
Compliance disclosure submitted under Regulation 30 of SEBI LODR Regulations.

💡 Investors should review the investor presentation to track trends in Net Interest Margins (NIMs) and asset quality. Listening to the call recording is recommended to understand management's guidance on loan growth and credit costs.

Repco Home Finance Reports Nil Physical Share Transfer Re-lodgement Requests for January 2026

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 06 Feb 2026, 11:27 AM

Repco Home Finance Limited has filed a status report regarding the re-lodgement of transfer requests for physical shares for the period ending January 31, 2026. According to the report from its Registrar and Share Transfer Agent, KFin Technologies, the company received zero requests during the month. This filing is a routine regulatory requirement under SEBI circulars aimed at managing legacy physical shareholdings. There is no impact on the company's financial health or operational performance from this update.

Zero (NIL) requests received for re-lodgement of physical share transfers in January 2026
Zero requests were processed, approved, or rejected during the reporting period
Compliance maintained with SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/97
Status confirmed by Registrar and Share Transfer Agent (RTA) KFin Technologies Limited

💡 This is a routine administrative disclosure with no impact on stock valuation. Investors should continue to monitor the company's core mortgage lending performance and interest rate margins.

Repco Home Q3 Results: PAT at ₹109 Cr, GNPA Improves to 2.92%, Disbursements Up 40%

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 05 Feb 2026, 06:38 PM

Repco Home Finance reported a steady Q3FY26 with net profit at ₹109 crore, a 2% YoY increase. The company achieved strong business momentum with disbursements growing 40% YoY to ₹1,064 crore and the total loan book reaching ₹15,394 crore. A key highlight is the significant improvement in asset quality, with GNPA reducing to 2.92% from 3.86% in the previous year. While operating expenses rose due to one-time employee costs, the overall capital adequacy remains robust at 37.22%.

Loan disbursements surged 40% YoY to ₹1,064 crore, while sanctions rose 35% to ₹1,087 crore.
Gross NPA improved significantly to 2.92% from 3.86% YoY; Stage-2 assets also declined to 8.02% from 10.56%.
Total AUM stood at ₹15,394 crore as of December 31, 2025, representing a growth of 8.7% over the previous year.
Net Interest Margin (NIM) remained healthy at 5.6% for the quarter, with a spread of 3.8%.
Capital Adequacy Ratio remains very strong at 37.22%, providing a significant cushion for future expansion.

💡 The significant improvement in asset quality and robust disbursement growth are strong positive indicators. Investors should monitor if the company can maintain this credit quality while scaling its loan book in a competitive housing finance market.

Repco Home Finance Announces Q3 and 9M FY26 Un-audited Financial Results

🟡 NEUTRAL ⭐ 7/10

EARNINGS 📅 05 Feb 2026, 06:35 PM

Repco Home Finance Limited has officially submitted its un-audited financial results for the third quarter and nine months ended December 31, 2025. The announcement was made on February 5, 2026, in compliance with SEBI Listing Obligations and Disclosure Requirements. While the specific profit and loss figures were not detailed in the cover letter, the release signifies the completion of the quarterly audit review. Investors should monitor the full financial statement for trends in loan disbursements and asset quality.

Company released un-audited financial results for the quarter ended December 31, 2025.
Results for the nine-month period of the current fiscal year were also disclosed.
The filing was made under Regulation 30 of SEBI (LODR) Regulations, 2015.
Detailed financial data is available on the company website and stock exchange portals.

💡 Investors should access the detailed financial tables to evaluate Net Interest Margins and Gross NPA levels. Compare these results against industry peers to determine the company's relative performance in the housing finance sector.

Repco Home Finance Declares ₹2 Interim Dividend; Q3 Net Profit Rises to ₹108.77 Crore

🟢 POSITIVE ⭐ 7/10

DIVIDEND 📅 05 Feb 2026, 06:29 PM

Repco Home Finance has declared a second interim dividend of ₹2 per equity share (20% of face value) for FY 2025-26, with the record date set for February 12, 2026. The company reported a standalone net profit of ₹108.77 crore for the quarter ended December 31, 2025, compared to ₹106.55 crore in the previous year. Total standalone revenue from operations for the quarter stood at ₹445.08 crore. The company also accounted for a ₹4.79 crore provision related to new labor code amendments affecting employee benefits.

Declared second interim dividend of ₹2 per equity share for FY 2025-26
Standalone Net Profit for Q3 FY26 grew to ₹108.77 crore from ₹106.55 crore YoY
Total Standalone Revenue from operations for the quarter reached ₹445.08 crore
Record date for dividend eligibility is fixed as February 12, 2026
Standalone Earnings Per Share (EPS) for the quarter stood at ₹17.39

💡 Investors interested in the dividend must hold the shares before the record date of February 12, 2026. The steady financial performance and consistent dividend payout reflect stable operational health.

Repco Home Finance Q3 Profit Rises to ₹113 Cr; Declares ₹2 Interim Dividend

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 05 Feb 2026, 06:29 PM

Repco Home Finance reported a consolidated net profit of ₹113.17 crore for Q3 FY26, up from ₹109.66 crore in the same period last year. Standalone total income saw a robust increase to ₹445.32 crore compared to ₹340.83 crore year-on-year. The board has declared a second interim dividend of ₹2 per equity share (20% of face value) for the financial year 2025-26. The company also accounted for a ₹4.79 crore provision related to new labour code amendments during the quarter.

Consolidated Net Profit for Q3 FY26 stood at ₹113.17 crore vs ₹109.66 crore YoY.
Standalone Total Income grew to ₹445.32 crore in Q3 FY26 from ₹340.83 crore in Q3 FY25.
Declared a second interim dividend of ₹2 per share with a record date of February 12, 2026.
Standalone Earnings Per Share (EPS) for the quarter increased to ₹17.03 from ₹16.49 YoY.
Recognized a one-time employee benefit expense provision of ₹4.79 crore due to New Labour Codes.

💡 Investors may view the steady profit growth and dividend declaration as a sign of financial stability. The stock remains a relevant pick for those seeking exposure to the affordable housing finance segment with regular payouts.

Repco Home Finance Declares ₹2 Interim Dividend; Q3 PAT Rises to ₹108.77 Crore

🟢 POSITIVE ⭐ 7/10

DIVIDEND 📅 05 Feb 2026, 06:27 PM

Repco Home Finance reported a steady performance for Q3 FY26, with standalone net profit increasing to ₹108.77 crore from ₹106.55 crore in the same period last year. The Board has declared a second interim dividend of ₹2 per equity share (20% of face value) for the financial year 2025-26. Total revenue from operations for the quarter grew to ₹445.32 crore, up from ₹433.41 crore YoY. The company also noted a ₹4.79 crore provision for employee benefits related to new labor code amendments.

Declared 2nd interim dividend of ₹2 per share (20% of face value ₹10) with record date of Feb 12, 2026
Standalone Q3 FY26 Net Profit stood at ₹108.77 crore, up from ₹106.55 crore in Q3 FY25
Total revenue from operations for the quarter increased to ₹445.32 crore versus ₹433.41 crore YoY
9-month standalone profit for FY26 reached ₹323.66 crore on revenue of ₹1,339.73 crore
Recognized ₹4.79 crore in employee benefit expenses due to New Labour Code amendments

💡 Investors seeking dividend income should ensure they hold shares before the record date of February 12, 2026. The company's stable earnings growth and consistent payout reflect a healthy financial position for long-term holders.

Repco Home Finance Q3 PAT Rises to ₹108.8 Cr; Declares ₹2 Interim Dividend

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 05 Feb 2026, 06:27 PM

Repco Home Finance reported a steady performance for Q3 FY26 with standalone net profit reaching ₹108.77 crore, a marginal increase from ₹106.94 crore in the same quarter last year. Total income grew to ₹445.32 crore compared to ₹435.26 crore year-on-year. The board has declared a second interim dividend of ₹2 per share (20% of face value) with a record date of February 12, 2026. Consolidated profit for the nine-month period ended December 2025 stood at ₹340.24 crore, reflecting stable operational efficiency.

Standalone Net Profit grew to ₹108.77 crore in Q3 FY26 from ₹106.94 crore in Q3 FY25.
Total Income for the quarter stood at ₹445.32 crore, up from ₹435.26 crore YoY.
Declared a second interim dividend of ₹2 per equity share (20% of face value) for FY 2025-26.
Standalone EPS for the quarter increased to ₹17.39 from ₹17.09 in the previous quarter.
Recognized a one-time provision of ₹4.79 crore for employee benefits related to new Labour Codes.

💡 The company continues to show stable earnings growth and consistent shareholder returns through dividends. Investors should maintain a positive outlook while monitoring the impact of new labour code provisions on future operating expenses.

Repco Home Finance Revises Record Date for 2nd Interim Dividend to February 12, 2026

🟡 NEUTRAL ⭐ 4/10

DIVIDEND 📅 27 Jan 2026, 04:03 PM

Repco Home Finance Limited has announced a revision to the record date for its second interim dividend for the financial year 2025-26. The new record date is now set for Thursday, February 12, 2026, updating the previous schedule communicated on January 24, 2026. This date is the cut-off for determining shareholder eligibility for the dividend payout. The company is following standard SEBI compliance procedures for this administrative update.

Revised record date for the 2nd interim dividend is February 12, 2026
The dividend distribution pertains to the financial year 2025-26
This update follows a previous intimation letter dated January 24, 2026
The revision is filed under Regulation 42 of SEBI (LODR) Regulations, 2015

💡 Investors seeking the dividend should ensure they hold the stock in their demat accounts by the record date. Note that the ex-dividend date will typically be one working day prior to February 12, 2026.

Repco Home Finance Schedules Q3 FY26 Earnings Call for February 6, 2026

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 24 Jan 2026, 11:59 AM

Repco Home Finance Limited has scheduled its earnings conference call for Friday, February 6, 2026, at 4:00 PM IST. The call will discuss the company's un-audited financial results for the third quarter ended December 31, 2025. Senior management, including MD & CEO Mr. T. Karunakaran and CFO Ms. Shanthi Srikanth, will be present to interact with analysts and investors. The session is being hosted by YES Securities (India) Ltd.

Earnings call scheduled for February 6, 2026, at 4:00 PM IST.
Discussion will focus on un-audited financial results for the quarter ended December 31, 2025.
Full management suite including MD & CEO, COO, CDO, CBO, and CFO to participate.
Pre-registration for the Zoom-based webinar is available for participants.

💡 Investors should track the upcoming results on February 6 for updates on loan book growth and asset quality. No immediate action is required as this is a routine scheduling announcement.

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.