Repco Home Finance profit flat as loan book hits ₹15,880 crore

What's new with Repco Home Finance Ltd.

• 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 for Repco Home Finance Ltd.

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.