Repco Home Finance Limited announced its audited standalone and consolidated financial results for the quarter and financial year ended March 31, 2026. The board of directors approved the results during a meeting held on May 21, 2026. The company reported a standalone net profit of ₹453.52 crore for the financial year, while consolidated net profit stood at ₹475.42 crore. Total income for the year reached ₹1,797.69 crore, and revenue from operations was ₹1,795.79 crore.

Financial Performance

The standalone net profit for FY26 was ₹453.52 crore, compared to ₹457.13 crore in the previous year. Total income increased to ₹1,797.69 crore from ₹1,714.89 crore in FY25. On a consolidated basis, the net profit for the year was ₹475.42 crore, with total income amounting to ₹1,814.89 crore. The board recommended a final dividend of ₹3 per equity share for the financial year 2025-26, subject to shareholder approval.

Quarterly Performance

For Q4 FY26, the company reported a standalone net profit of ₹129 crore, compared to ₹125 crore in Q4 FY25 and ₹109 crore in Q3 FY26. On a consolidated basis, Q4 net profit stood at 1.35B Rupees versus 1.3B Rupees in Q4 FY25. Q4 consolidated revenue came in at 4.5B Rupees compared to 4.3B Rupees in the year-ago period.

Asset Quality and Loan Book

The overall loan book stood at ₹15,880 crores as of March 31, 2026, registering a growth of 9.6% from ₹14,492 crores a year earlier. Asset quality improved, with Gross NPA (GNPA) decreasing to ₹405 crores (2.55%) from ₹473 crores (3.26%) in the previous year. Net NPA (NNPA) stood at ₹183 crores (1.17%) as of March 31, 2026, compared to ₹191 crores (1.32%) a year ago. The capital adequacy ratio remained robust at 35.38%.

Operational Metrics

Loan sanctions for FY26 reached ₹4,519 crores, a 28% increase from the previous year, while disbursements grew 26% to ₹4,148 crores. Net Interest Income rose to ₹812 crores from ₹746 crores. The company maintained a Return on Assets of 3.0% and a Return on Equity of 13.0% for the year. The board also approved raising funds via Non-Convertible Debentures (₹1,500 crore) and Commercial Papers (₹1,000 crore). Additionally, the board increased the borrowing limits from ₹15,000 crore to ₹20,000 crore and appointed Mr. Vaidyanathan S Iyer as Internal Auditor for FY26-27.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE612J01015/768e89b070a24bd4.pdf

Repco Bank has formally declared that it, along with Persons Acting in Concert (PAC), has not created any encumbrance on the shares held in repco home finance during the financial year ended March 31, 2026. The disclosure was submitted to the National Stock Exchange of India Limited in compliance with Regulation 31(4) of the SEBI (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.

The communication, dated April 4, 2026, confirms that no direct or indirect encumbrance was made on the promoter's shareholding throughout the specified financial period. This regulatory filing is intended to inform the exchange and maintain transparency regarding the shareholding status of the promoters.

Key Disclosure Details

The following table summarizes the key details of the regulatory disclosure:

The declaration was signed by O.M. Gokul, Managing Director of Repco Bank, and addressed to the National Stock Exchange of India Limited. A copy of the disclosure has also been forwarded to the Audit Committee of Repco Home Finance Limited for their records.