Chennai-based HFC offering retail home loans and home-equity loans across Tamil Nadu and South India.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 468 | +6.4% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 122 | +6.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
| Return on equity | 12.58 | −1.9 pts | Trailing twelve months | TTM to Jun 2026 | Adjusted profit attributable to owners ÷ average owners’ equity. |
| Free cash flow margin | Fiscal year | FY ending Mar 2026 | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | 4.96 | −6.4 pts | Trailing twelve months | TTM to Jun 2026 | Revenue change against the same period one year earlier. |
Guidance
5 of 11 judged targets kept · 10 open · verdicts reflect calls analysed to Q1 FY27.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Disbursement (Q1 FY27) | We are having a plan to do disbursement of about Rs.1000 Crores. We want to maintain the momentum, we want to maintain the trend of doing more than Rs.1000 Crores in a quarter. This trend will continue. | Q4 FY26 | Achieved Rs. 843 cr against a target of >Rs. 1,000 cr. Management cited a temporary cheque processing issue. | Missed |
| Disbursement (FY27) | Current year, the target we want to achieve a disbursement of approximately Rs.5000 Crores disbursement | Q4 FY26 | Reiterated FY27 target of Rs. 5,000 cr despite a weak Q1 (Rs. 843 cr), citing recovery in June/July and a temporary cheque issue. | On Track |
| Total Disbursements | disbursement of Rs. 4,000 crore | Q4 FY25 | Achieved total disbursements of Rs. 4,148 cr for FY26, exceeding the target. | Achieved |
6 of Repco Home Finance Limited's 21 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 18 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: ₹418 on 24 Oct 2025 → ₹303.65. High ₹450.2 (4 Nov 2025), low ₹303.65 (27 Oct 2026).
Overview
Based on the company's own presentations, annual report and earnings calls.
Repco Home Finance Limited (RHFL) is a Chennai-headquartered Housing Finance Company (HFC) incorporated in April 2000, registered with the National Housing Bank and regulated by the RBI. It originates, disburses and services retail home loans and home-equity (loan-against-property) loans to salaried and non-salaried/self-employed borrowers, with a stated focus on relatively under-penetrated markets. The company operates through a branch and satellite-centre network concentrated in Tamil Nadu and other southern states, while expanding into Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, West Bengal, Odisha and Jharkhand. All loans on its book are retail in nature, split between housing loans and home-equity products.
Segments
close before → close after
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Guidance
5 of 11 judged targets kept · 10 open · verdicts reflect calls analysed to Q1 FY27.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Disbursement (Q1 FY27) | We are having a plan to do disbursement of about Rs.1000 Crores. We want to maintain the momentum, we want to maintain the trend of doing more than Rs.1000 Crores in a quarter. This trend will continue. | Q4 FY26 | Achieved Rs. 843 cr against a target of >Rs. 1,000 cr. Management cited a temporary cheque processing issue. | Missed |
| Disbursement (FY27) | Current year, the target we want to achieve a disbursement of approximately Rs.5000 Crores disbursement | Q4 FY26 | Reiterated FY27 target of Rs. 5,000 cr despite a weak Q1 (Rs. 843 cr), citing recovery in June/July and a temporary cheque issue. | On Track |
| Total Disbursements | disbursement of Rs. 4,000 crore | Q4 FY25 | Achieved total disbursements of Rs. 4,148 cr for FY26, exceeding the target. | Achieved |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 21 tracked commitments, with each call’s wording and source.
Call summaries
Repco Home Finance Limited Q1 FY27
Repco Home Finance reported a stable Q1 FY27 with AUM growing 8.9% YoY to Rs. 15,990 Crores and net profit increasing 5.56% YoY to Rs. 114 Crores. While GNPA saw a marginal QoQ increase to 2.7% due to temporary internal factors, management expects a reduction in Q2. The company is focused on aggressive disbursements, supported by NHB refinance, but anticipates slight spread compression.
Read the full callRepco Home Fin Q4 FY26
Repco Home Finance delivered a strong Q4 and FY26, achieving record disbursements and significant improvements in asset quality with GNPA falling to 2.55%. While AUM growth faces headwinds from prepayments and competitive BT Outs, the company aims for ₹18,000 Crores AUM by FY27 through aggressive disbursement targets and strategic expansion in non-Tamil Nadu markets. Profitability was impacted by one-off expenses and a change in interest calculation, but a healthy NIM of 5.38% was maintained, and the company declared its highest-ever dividend.
Read the full callRepco Home Fin Q3 FY26
Repco Home Finance delivered a robust Q3 FY26, marked by strong disbursement and AUM growth, coupled with significant improvements in asset quality. The company successfully reduced its cost of funds and maintained stable margins. While facing challenges from high rundown rates and increased operating costs due to strategic investments and one-off events, management remains confident in achieving its FY26 targets and pursuing inorganic growth opportunities cautiously.
Read the full callEvery analysed call
Fundamentals
Current values with the period they cover; the trend reads across the 6 fiscal years held (Mar 2021 to Mar 2026).
Financials
Net profit, year on year: +6% (quarter to jun 2026 against jun 2025).
| Line item | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 423 | 445 | 426 | 440 | 441 | 457 | 454 | 468 |
| Expenses | 26 | 45 | 28 | 43 | 51 | 49 | 49 | 58 |
| Other income | 1 | 0 | 9 | 0 | 1 | 0 | 1 | 0 |
| Interest | 240 | 248 | 246 | 244 | 244 | 249 | 247 | 251 |
| Depreciation | 9 | 8 | 7 | 8 | 8 | 10 | 10 | 10 |
| Profit before tax | 149 | 144 | 154 | 146 | 139 | 149 | 148 | 148 |
| Tax rate | 27.0% | 26.0% | 25.0% | 26.0% | 26.0% | 27.0% | 13.0% | 23.0% |
| Net profit | 115 | 113 | 121 | 115 | 110 | 115 | 135 | 122 |
| EPS (₹ per share) | 18.40 | 18.09 | 19.29 | 18.40 | 17.53 | 18.45 | 21.61 | 19.44 |
| Line item | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Sales | 1,283 | 1,524 | 1,702 | 1,792 |
| Expenses | 182 | 152 | 142 | 192 |
| Other income | 15 | 14 | 18 | 2 |
| Interest | 701 | 845 | 967 | 984 |
| Depreciation | 15 | 19 | 28 | 36 |
| Profit before tax | 400 | 522 | 584 | 582 |
| Net profit | 309 | 413 | 462 | 475 |
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 63 | 63 | 63 | 63 | 63 | 63 |
| Reserves | 2,227 | 2,527 | 2,923 | 3,558 | 3,548 | 3,978 |
| Borrowings | 9,692 | 9,924 | 10,701 | 11,139 | — | 12,206 |
| Other liabilities | 70 | 83 | 112 | 82 | 206 | 198 |
| Total liabilities | 12,052 | 12,596 | 13,799 | 14,841 | 15,310 | 16,444 |
| Fixed assets | 35 | 40 | 58 | 78 | 89 | 95 |
| Capital work in progress | 0 | 4 | 4 | 3 | 0 | 5 |
| Investments | 86 | 105 | 223 | 325 | 253 | 272 |
| Other assets | 11,930 | 12,448 | 13,514 | 14,436 | 14,968 | 16,072 |
| Total assets | 12,052 | 12,596 | 13,799 | 14,841 | 15,310 | 16,444 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | 849 | 691 | -363 | -685 | -614 | -896 |
| Cash from investing | 12 | -163 | 160 | -169 | -7 | 59 |
| Cash from financing | -730 | -531 | 205 | 747 | 408 | 988 |
| Net cash flow | 131 | -2 | 2 | -106 | -212 | 151 |
| Free cash flow | 847 | 680 | -371 | -708 | -637 | -922 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | 15.0% | 9.0% | 13.0% | 15.0% | 14.0% | 12.0% |
| Dividend payout | 5.0% | 8.0% | 5.0% | 5.0% | 5.0% | 4.0% |
The businesses behind the company’s reported revenue.
Housing related finance contributes 100.0% of reported segment revenue.
Quarter ended 30 Jun 2026 · Consolidated
₹467.90 crore
₹0.00 crore
| Business segment | Revenue · ₹ crore | Share |
|---|---|---|
| Housing related finance | 467.90 | 100.0% |
| Others | 0.00 | 0.0% |
Share = segment revenue ÷ total segment revenue, before intersegment adjustments.
Intersegment transactions are between the company’s own businesses. Net segment revenue can differ from income-statement revenue because reporting definitions differ.
Source: FinEdge · Last checked 19 Sept 2026. Reported segment names are kept as supplied.
Each segment’s share of reported revenue, quarter by quarter.
| Segment | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Jun 2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Housing related finance | — | — | — | — | 100% | — | — | 100% | +6.2% |
| Others | — | — | — | — | 0% | — | — | 0% | — |
Share of reported segment revenue by quarter, consolidated basis, as filed. A quarter the company did not report is left blank, never carried forward.
See how segments are shifting across companies → Segment Shift
Ownership
Promoters hold 37.13% as of Sept 2026; institutions cut 1.01 pts since Jun 2026.
since Jun 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
The same filing shows 1 holder trimming and 2 off the list — both are in the register beside this.
Named in the Sep 2026 filing
Every holder of Repco Home Finance Limited above SEBI's 1% disclosure line, and what changed since Jun 2026.
| Holder | Stake | Change |
|---|---|---|
| 37.13% | unchanged | |
| Mutual fund | 9.79% | unchanged |
| AIF | 7.98% | unchanged |
| Mutual fund | 3.02% | −0.41 pp |
| Global fund house | 2.81% | unchanged |
| Mutual fund | 2.00% | newly disclosed |
| 1.51% | newly disclosed | |
| Mutual fund | 1.02% | newly disclosed |
| Mutual fund | — | off the list |
| Mutual fund | — | off the list |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Filings to Sep 2026
0 new, 0 added, 0 trimmed, 0 sold out — net +0.00 L shares (+0.0%).
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| HDFC Banking & Financial Services Fund HDFC Mutual Fund | ₹24 Cr | held | Jun '26 |
| HDFC Housing Opportunities Fund HDFC Mutual Fund | ₹18 Cr | held | Jun '23 |
HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.
Mutual funds Sep 2026
0 added, 0 trimmed — net 0 shares (+0.0%)
Shares held by these funds −77%
Oct '23 12.52 L shares Sep '26
Your own record
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