Repco Home Finance Limited — Q1FY27 earnings call summary

Filed 17 August 2026 · Official transcript

FY2027 guidance: Rs.5,000 Cr disbursements, 13-14% AUM growth, reduce NPA by Rs.40 Cr
June and July disbursements on track; Q2 target Rs.1,200-1,250 Cr
Asset quality focus: separate verticals for NPA management; target <2% NPA by Mar-27
Cost of funds stable at 8.3%; NIM at 5.4%, spread 3.4% for Q1
Q1 FY2027 disbursements at Rs.843 Cr vs Rs.829 Cr in Q1 FY2026; AUM grew 8.9% y-y to Rs.15,990 Cr
GNPA at Rs.427 Cr (2.7%) slightly up q-q; significant y-y improvement from Rs.485 Cr (3.0%)
Net profit Rs.114 Cr vs Rs.108 Cr y-y; ROE 12.7%, ROA 2.9%
Spread may compress by 10-12 bps due to aggressive growth and retention efforts