Repco Home Finance Limited has informed the Exchange about Transcript
REPCOHOME · price
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Repco Home Finance reported its highest ever quarterly disbursement of Rs.1186 Crores in Q4 FY2026, with full year disbursement reaching Rs.4148 Crores (26% YoY growth). Total loan book stood at Rs.15,880 Crores, up 9.6% YoY. Asset quality improved significantly with GNPA reducing to 2.55% from 3.26%, and Stage 2 assets down to ~7% from 9.5%. Full year profit was Rs.453 Crores vs Rs.449 Crores in previous year. One-off items totaling ~Rs.46 Crores impacted profitability including Labor Code implementation (Rs.15 Crores), Silver Jubilee celebrations (Rs.5 Crores), and higher CSR spend (Rs.15 Crores additional). Management guided for FY2027 disbursement target of Rs.5,000 Crores aiming to reach AUM of Rs.18,000 Crores, with long-term target of Rs.25,000 Crores AUM by FY2029. NHB has sanctioned Rs.600 Crores refinance facility expected to reduce cost of funds by 10-15 bps.
Strong improvement in asset quality and highest ever disbursements are positives, but AUM growth remains challenging due to high pre-closures and balance transfers. The company declared highest ever dividend of 75%, signaling confidence. Management guided for NIM expansion to 5.38% and spread maintenance at 3.2-3.25%.