NSE
BSEThe Quarter story
The two most recent quarterly results, compared side-by-side.
Repco Home Finance maintains strong asset quality and lower funding costs, though loan growth has cooled sharply.
GNPA sits at 2.6% in Q1 FY27, down from 3.3% in Q1 FY26, confirming steady credit quality.
Loan disbursements drop to ₹843 Cr in Q1 FY27 from ₹18,980 Cr in Q2 FY26, signaling a sharp slowdown in new lending.
Cost of borrowings rests at 8.3% in Q1 FY27, lower than 8.7% in Q1 FY26, easing funding expenses.
Loan sanctions fall to ₹938 Cr in Q1 FY27 from ₹21,122 Cr in Q2 FY26, reflecting a weaker pipeline.
Stage-1 AUM share stands at 90.1% in Q1 FY27, up from 87.0% in Q1 FY26, keeping the portfolio healthy.
Capital adequacy ratio declines to 35.38% in Q4 FY26 from 38.69% in Q1 FY26, requiring closer monitoring.
Cost to income ratio improves to 26.0% in Q1 FY27 from 31.1% in Q4 FY26, restoring operational efficiency.
Return on equity eases to 12.7% in Q1 FY27 from 14.0% in Q1 FY26, as profitability moderates with lower growth.
Home Equity loan mix reaches 29.2% in Q1 FY27, up from 28% in Q1 FY26, expanding the segment's share.
Credit cost turns positive at 0.2% in Q1 FY27 from -0.1% in Q2 FY26, indicating normalized provisioning.
