Repco Home Finance profit flat as loan book hits ₹15,880 crore
Sanctions climbed 28% while bad loans dropped to 2.55%, providing a cleaner look at FY26 performance.
— 2 earlier stories on Repco Home Finance Ltd. →What's new
- Net profit rose 1% to ₹453 cr, supported by a 9% gain in net interest income to ₹812 cr.
- The loan portfolio grew nearly 10% to ₹15,880 cr.
- Asset quality improved, with the gross bad loan ratio falling to 2.55% from 3.26%.
Why this matters
Growth in disbursements and sanctions outpaced the bottom line, showing the company is finding loan volume despite a muted profit outcome. The compression of bad loans is a clear mark of better credit discipline.
What we're watching
- Whether the jump in sanctions to ₹4,519 cr translates to faster net interest income growth next year.
- Maintenance of the 35.38% capital adequacy ratio.
- Cost-to-income trends as the firm grows its loan book.
The full read
Repco Home Finance closed FY26 with a net profit of ₹453 crore, a 1% increase over the previous year. Profit is barely moving.
Beneath this flat headline figure, operational activity tells a different story. The company sanctioned ₹4,519 crore in new loans, a 28% jump, while total disbursements rose 26% to ₹4,148 crore. This aggressive pace of lending pushed the total loan book up nearly 10% to ₹15,880 crore, a level that suggests the firm is successfully capturing market share even as net interest income climbs 9% to ₹812 crore.
Credit quality is also improving. The gross non-performing asset ratio fell to 2.55% from 3.26% a year ago. With a sturdy capital adequacy ratio of 35.38%, the firm has the buffer to sustain this expansion. It isn't a year of explosive earnings growth, but the volume metrics provide a firm base for the year ahead.
Questions answered
- How did the loan portfolio perform compared to the previous year?
- The loan portfolio grew 9.6% to reach ₹15,880 crore.
- What is the status of asset quality?
- Asset quality improved significantly, with the gross non-performing asset ratio falling from 3.26% to 2.55%.
Repco Home Finance Ltd.
Latest quarter · Mar 2026
Leverage & growth
Story so far
All notes on REPCOHOME →- 21 May 2026 · 8:17 PM IST Repco Home Finance profit flat as loan book hits ₹15,880 crore
- 47d ago Repco pushes ₹25,000 cr AUM goal to FY29, cites prepayment drag
- 51d ago Repco Home Finance delays its ₹25,000 cr AUM goal by one year