REPCOHOME
Repco Home Finance share price & financials
- Price
- ₹393.65
- Market cap
- ₹2.2k Cr
- Sector
- Financial Services
- Calls analysed
- 6
Repco Home Finance Limited Q1 FY27
What went well
- AUM grew 8.9% year-on-year to Rs. 15,990 Crores as of June 30, 2026.
- Net Interest Income increased to Rs. 216 Crores in Q1 FY27, up 4.35% from Rs. 207 Crores in Q1 FY26.
- Net Profit stood at Rs. 114 Crores, a 5.56% increase from Rs. 108 Crores in the previous year's Q1.
What to watch
- Gross NPA (GNPA) ratio marginally increased to 2.7% (Rs. 427 Crores) from 2.6% (Rs. 405 Crores) QoQ.
- Disbursements in the June quarter were affected by internal transfers and promotions, though momentum has since recovered.
What Repco Home Finance Limited does
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
- Housing Loans
- Home Equity Loans
- Branch and satellite-centre network
- 210 branches and 32 satellite centres (242 points of presence)
- Geographic footprint
- Present in 12 states and 1 union territory
- Asset recovery branches
- 2 dedicated asset recovery branches
- Live loan accounts
- 1,15,318 live accounts
- Loan product lines
- Two core retail loan categories: Housing Loans and Home Equity Loans
- Lending model
- 100% retail loan book (no wholesale/corporate lending)
Guidance record · Q1 FY27
what the last two calls moved 21 tracked 5 delivered 6 missed 10 open- Disbursement (Q1 FY27) missed said Q4 FY26 Promised: 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. Q1 FY27: Achieved Rs. 843 cr against a target of >Rs. 1,000 cr. Management cited a temporary cheque processing issue.
- Disbursement (FY27) on track said Q4 FY26 Promised: Current year, the target we want to achieve a disbursement of approximately Rs.5000 Crores disbursement Q1 FY27: 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.
- Total Disbursements delivered said Q4 FY25 Promised: disbursement of Rs. 4,000 crore Q4 FY26: Achieved total disbursements of Rs. 4,148 cr for FY26, exceeding the target.
All 21 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 6.4%, net profit up 6.1% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 423 | 445 | 426 | 440 | 441 +4% | 457 +3% | 454 +7% | 468 +6% |
| Net profit | 115 | 113 | 121 | 115 | 110 −4% | 115 +2% | 135 +12% | 122 +6% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance −0.5% 1Y
1Y: ₹361.25 on 10 Sept 2025 → ₹359.6. High ₹450.2 (4 Nov 2025), low ₹336.6 (23 Mar 2026).
How the price took the results
close before → close after
- Q1 FY27
- −2.4%
- 12 Aug
- Q4 FY26
- −1.5%
- 22 May
- Q3 FY26
- −0.5%
- 6 Feb
- Q2 FY26
- −4.9%
- 13 Nov
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.
Financials, as filed
Revenue grew 11.8% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹1.3k Cr | ₹1.5k Cr | ₹1.7k Cr | ₹1.8k Cr |
| Interest | ₹701 Cr | ₹845 Cr | ₹967 Cr | ₹984 Cr |
| Depreciation | ₹15 Cr | ₹19 Cr | ₹28 Cr | ₹36 Cr |
| Net profit | ₹309 Cr | ₹413 Cr | ₹462 Cr | ₹475 Cr |
| Net margin | 24.1% | 27.1% | 27.1% | 26.5% |
| Cash from operations | ₹-363 Cr | ₹-685 Cr | ₹-614 Cr | ₹-896 Cr |
| Free cash flow | ₹-371 Cr | ₹-708 Cr | ₹-637 Cr | ₹-922 Cr |
| ROE | 13.0% | 15.0% | 14.0% | 13.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹63 Cr | ₹63 Cr | ₹63 Cr | ₹63 Cr | ₹63 Cr | ₹63 Cr |
| Reserves | ₹2.0k Cr | ₹2.2k Cr | ₹2.5k Cr | ₹2.9k Cr | ₹3.5k Cr | ₹4.0k Cr |
| Borrowings | ₹10.2k Cr | ₹9.7k Cr | ₹9.9k Cr | ₹10.7k Cr | — | ₹12.2k Cr |
| Other liabilities | ₹108 Cr | ₹70 Cr | ₹83 Cr | ₹112 Cr | ₹206 Cr | ₹198 Cr |
| Total liabilities | ₹12.4k Cr | ₹12.1k Cr | ₹12.6k Cr | ₹13.8k Cr | ₹15.3k Cr | ₹16.4k Cr |
| Fixed assets | ₹31 Cr | ₹35 Cr | ₹40 Cr | ₹58 Cr | ₹89 Cr | ₹100 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹4 Cr | ₹4 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹76 Cr | ₹86 Cr | ₹105 Cr | ₹223 Cr | ₹253 Cr | ₹272 Cr |
| Other assets | ₹12.3k Cr | ₹11.9k Cr | ₹12.4k Cr | ₹13.5k Cr | ₹15.0k Cr | ₹16.1k Cr |
| Total assets | ₹12.4k Cr | ₹12.1k Cr | ₹12.6k Cr | ₹13.8k Cr | ₹15.3k Cr | ₹16.4k Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, the public trimmed −4.04 pp while DIIs added +2.82 pp. The shareholder count shrank 12% to 49,320.
- Promoters
- 37.1%
- FIIs
- 12.4%
- DIIs
- 26.1%
- Public
- 24.4%
Since Jun 2025
- Public −4.04 pp
- DIIs +2.82 pp
- FIIs +1.20 pp
How it drifted, 12 quarters
Over this window DIIs went from 18.4% to 26.1% — +7.7 pp.
Ownership split by quarter, oldest first. Sep '23: Promoters 37.1%, FIIs 15.3%, DIIs 18.4%, Public 29.2%.Dec '23: Promoters 37.1%, FIIs 13.8%, DIIs 19.1%, Public 30.0%.Mar '24: Promoters 37.1%, FIIs 13.9%, DIIs 19.6%, Public 29.3%.Jun '24: Promoters 37.1%, FIIs 14.0%, DIIs 18.8%, Public 30.0%.Sep '24: Promoters 37.1%, FIIs 12.9%, DIIs 19.9%, Public 30.1%.Dec '24: Promoters 37.1%, FIIs 12.5%, DIIs 20.6%, Public 29.8%.Mar '25: Promoters 37.1%, FIIs 11.3%, DIIs 21.1%, Public 30.5%.Jun '25: Promoters 37.1%, FIIs 11.2%, DIIs 23.3%, Public 28.5%.Sep '25: Promoters 37.1%, FIIs 11.9%, DIIs 22.7%, Public 28.2%.Dec '25: Promoters 37.1%, FIIs 12.7%, DIIs 23.7%, Public 26.4%.Mar '26: Promoters 37.1%, FIIs 13.4%, DIIs 24.3%, Public 25.2%.Jun '26: Promoters 37.1%, FIIs 12.4%, DIIs 26.1%, Public 24.4%.
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- Isif Equity Ex-Top 100 Long-Short Fund AIF newly disclosed 7.98% held
- Bandhan Small Cap Fund Mutual fund +1.95 pp 9.79% held
- HDFC Trustee Company Limited - HDFC Infrastructure Mutual fund newly disclosed 1.74% held
- Whiteoak Capital Flexi Cap Fund Mutual fund +0.57 pp 3.43% held
The same filing shows 1 holder trimming and 4 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of Repco Home Finance Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Repatriates Co Operative Finance & Development Bank Ltd | 37.13% | unchanged |
| Bandhan Small Cap Fund Mutual fund | 9.79% | +1.95 pp |
| Isif Equity Ex-Top 100 Long-Short Fund AIF | 7.98% | newly disclosed |
| Whiteoak Capital Flexi Cap Fund Mutual fund | 3.43% | +0.57 pp |
| Fidelity Funds - Asian Smaller Companies Pool Global fund house | 2.81% | unchanged |
| HDFC Trustee Company Limited - HDFC Infrastructure Mutual fund | 1.74% | newly disclosed |
| Aditya Birla Sun Life Trustee Private Limited A/C Mutual fund | 1.44% | −0.81 pp |
| ICICI Prudential Banking And Financial Services Fu | — | off the list |
| Sg Jokaland Holdings Llc | — | off the list |
| HDFC Mutual Fund - HDFC Housing Opportunities Fund | — | off the list |
| Tata Banking & Financial Services Fund 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.
Mutual funds in REPCOHOME
Filings to Jul 2026
0 new, 0 added, 0 trimmed, 1 sold out — net −2.89 L shares (−34.9%).
- Held by funds
- ₹21 Cr
- 1 schemes
- Biggest holder
- HDFC Housing Opportunities Fund
- ₹21 Cr · 1.8% of that fund
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| HDFC Housing Opportunities Fund HDFC Mutual Fund | ₹21 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 Jul 2026
0 added, 0 trimmed — net −2.89 L shares (−34.9%)
- Funds are sitting on
- +26%
- vs est. average cost
- Held by funds
- ₹21 Cr
- 1 schemes · ≈ 0.97% of the company
Shares held by these funds −90%
Aug '23 5.40 L shares Jul '26
All earnings calls (6)
Read the Q1 FY27 call →Learn to analyse Repco Home Finance Limited
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