Repco Home Finance delivered solid financial performance in the quarter ended June 2026, with standalone net profit rising 6% year-on-year to ₹114 crore compared to ₹108 crore in the corresponding quarter of the previous year. According to the company's unaudited financial results approved by the Board of Directors on August 11, 2026, the housing finance company demonstrated steady growth across key financial metrics during this quarter, though there was a sequential decline from ₹129 crore in Q4 FY26.
The company's net interest income (NII) surged 10.2% to ₹216 crore, driven by an 8.9% expansion in its loan book to ₹15,990 crore. As reported in the latest financial results, total income grew 6.1% to ₹468 crore, reflecting steady demand across its retail lending portfolio. Interest income increased to ₹456.90 crore from ₹444.13 crore in the prior quarter, while fees and commission income declined to ₹5.49 crore from ₹7.21 crore. Other operating revenue more than doubled to ₹3.10 crore from ₹1.29 crore, with net gain on fair value changes rising to ₹2.21 crore from ₹0.89 crore.
Gross NPAs showed significant improvement, declining to 2.7% from 3.3% a year ago, while net NPA ratio remained stable at 1.2%. According to the company's latest financial data, absolute GNPA decreased to ₹427 crore from ₹485 crore a year ago, though it rose sequentially from ₹405 crore in March 2026. The provision coverage ratio for Stage-3 assets stood at 54.5%, with total provisions for expected credit losses amounting to ₹353 crore or 2.2% of total loan assets. The capital adequacy ratio stood at 36.13%, well above the regulatory minimum of 15%.
Loan sanctions stood at ₹938 crore in Q1 FY27 compared to ₹907 crore in Q1 FY26, while disbursements were ₹843 crore against ₹829 crore in the prior year. As of June 30, 2026, loan book composition showed loans to the non-salaried segment accounting for 53.5% of the outstanding, while salaried segment loans made up 46.5%. Housing loans constituted 70.8% of the portfolio, with Home Equity products comprising 29.2%. All loans disbursed by the company are retail in nature.
