Repco Home Finance Q2 FY27: sanctions up 12.7%, total income up 8.0%, net profit up 8.4%
Q2 FY27 sanctions Rs. 1359 crores, up 12.7% YoY; total income Rs. 481 crores, up 8.0%; net profit Rs. 116 crores, up 8.4%.
By ScoutQuest · · 1 min read
- Q2 FY27 loan sanctions
- Rs. 1359 crores
- Total income
- Rs. 481 crores
- Net profit
- Rs. 116 crores
- Period
- Quarter ended 30 September 2026
- Positioning
- Repco Home Finance describes itself as a professionally managed housing finance company headquartered in Chennai, registered with NHB, focused on relatively under-penetrated markets with a balanced portfolio mix and 100% retail loans.
📈 Q2 FY27 loan sanctions stood at Rs. 1359 crores against Rs. 1205 crores in Q2 FY26, up 12.7%, and disbursements at Rs. 1205 crores against Rs. 1069 crores, also up 12.7%, the presentation prints. Total income rose 8.0% to Rs. 481 crores and net profit 8.4% to Rs. 116 crores, while net interest income was Rs. 220 crores, up 10.0%.
📉 Asset quality improved: GNPA fell to 2.4% in Q2 FY27 from 3.1% a year earlier and stage-2 assets to 7.0% from 8.8%, per the MD and CEO comments. The loan book was Rs. 16,425 crores at 30 September 2026 against Rs. 15,033 crores a year back, with net owned fund of Rs. 3,875 crores and total capital adequacy ratio of 37%.
📈 Return on equity slipped to 12.6% in Q2 FY27 from 13.5% a year earlier, and on the half-yearly basis to 12.5% from 13.6%, even as quarterly net interest margin edged up to 5.5% from 5.4% and spread to 3.7% from 3.4%; return on assets was flat at 2.9%.
🏭 The book is fully retail, split 53.6% non-salaried and 46.4% salaried, and 71% housing loans against 29% home equity, with Tamil Nadu at 57.4% of the loan book. Management says growth has come from increasing the geographical footprint, deepening reach selectively in existing regions and expanding to new regions.
Also from Repco Home Finance
Interim dividend of Rs.5 per equity share for FY 2026-27; record date 13th November, 2026
5 Nov 2026
Q2 FY27 results: loan book Rs. 16,425 crores, net profit Rs. 116 crores, GNPA ratio 2.4%
5 Nov 2026
Consolidated results for the quarter Ended 30.09.2026
5 Nov 2026
More numbers
- Loan sanctions, Q2 FY27Rs. 1359 crores
- Total income, Q2 FY27Rs. 481 crores
- Net profit, Q2 FY27Rs. 116 crores
- Loan disbursements, Q2 FY27Rs. 1205 crores
- Gross non-performing assets, Q2 FY272.4%
- Loan book, 30 September 2026Rs. 16,425 crores
- Net owned fundRs. 3,875 Crs
- Total capital adequacy ratio37%
- Return on equity, Q2 FY2712.6%
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