Repco Home Finance FY26 profit rises to ₹453 crore
Repco Home Finance reported a net profit of ₹453 crore for FY26, with disbursements rising 26% to a record ₹4148 crore. The loan book grew 9.6% to ₹15,880 crore, while GNPA improved to 2.55%. The board declared a 75% dividend, and management targets ₹5000 crore in disbursements for FY27.
*this image is generated using AI for illustrative purposes only.
Repco Home Finance reported a net profit of ₹453 crore for the financial year ended March 31, 2026, compared to ₹449 crore in the previous year. The company achieved its highest annual disbursement of ₹4148 crore, a 26% increase from ₹3284 crore in FY25. For the quarter ended March 2026, disbursements reached ₹1186 crore, the highest quarterly figure in the company's history. The board has declared a total dividend of 75% for FY26, comprising 45% interim and 30% final dividend, subject to shareholder approval.
Financial Performance
The total loan book stood at ₹15,880 crore as of March 31, 2026, growing 9.6% from ₹14,496 crore in the previous year. The net interest margin (NIM) improved to 5.38% from 5.15%, while the return on assets (ROA) stood at 3%. The yield on advances was 11.9%, and the cost of funds was 8.56%, resulting in a spread of 3%. The company noted that one-off expenses, including a change in the interest calculation method and increased CSR spending, impacted profitability by approximately ₹46 crore.
| Metric | FY26 Value | FY25 Value |
|---|---|---|
| Net Profit | ₹453 crore | ₹449 crore |
| Disbursements | ₹4148 crore | ₹3284 crore |
| Loan Book | ₹15,880 crore | ₹14,496 crore |
| NIM | 5.38% | 5.15% |
| GNPA | 2.55% | 3.26% |
Asset Quality and Outlook
Asset quality improved significantly, with gross non-performing assets (GNPA) reducing to 2.55% from 3.26% in the previous year. Net NPAs stood at ₹405 crore, down from ₹475 crore. Stage 2 assets also decreased to ₹1115 crore from ₹1410 crore. The management targets a disbursement of ₹5000 crore and an assets under management (AUM) of ₹18,000 crore for FY27. The National Housing Bank has sanctioned a ₹600 crore refinance facility, which is expected to reduce the cost of funds by 10-15 basis points.
Historical Stock Returns for Repco Home Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +0.23% | -5.01% | -10.52% | -9.25% | -8.45% | -0.97% |
What strategies will Repco Home Finance employ to achieve the targeted ₹5000 crore disbursement in FY27?
How will the sanctioned ₹600 crore refinance facility specifically impact the cost of funds and NIM in the coming year?
Will the dividend payout ratio be sustainable if the company ramps up disbursements to meet its FY27 targets?
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