Repco Home Finance Q4 profit rises to ₹129 crore; GNPA improves to 2.55%
Sarthak Kumar
Repco Home Finance Ltd reported steady growth in business performance for Q4FY26, supported by higher loan sanctions, improved disbursements and strengthening asset quality.
For the quarter ended March 31, 2026, the company reported net profit of ₹129 crore, compared to ₹125 crore in the corresponding quarter last year. Net interest income rose 16% YoY to ₹207 crore from ₹178 crore in Q4FY25.
Total income for the quarter stood at ₹454 crore, compared to ₹425 crore in the year-ago period, registering a growth of 7%.
Loan sanctions during Q4FY26 increased 25% YoY to ₹1,320 crore from ₹1,059 crore in Q4FY25, while loan disbursements rose 22% to ₹1,186 crore compared to ₹975 crore a year ago.
On a sequential basis, loan sanctions grew 21% from ₹1,087 crore reported in Q3FY26, while loan disbursements increased 12% from ₹1,064 crore.
The company said return on assets stood at 3.4% in Q4FY26 compared to 3.6% in Q4FY25, while return on equity came in at 14.9% versus 16.7% a year ago. Loan spread remained stable at 3.6%.
For the full financial year FY26, Repco Home Finance reported total income of ₹1,798 crore compared to ₹1,715 crore in FY25, reflecting a growth of 5%. Net interest income rose 9% to ₹812 crore from ₹746 crore in FY25, while annual net profit stood at ₹453 crore compared to ₹449 crore last year.
The company’s loan book stood at ₹15,880 crore as of March 31, 2026, compared to ₹14,492 crore a year ago, reflecting a growth of 9.6%. Assets under management stood at ₹15,394 crore as of December 31, 2025.
Repco Home Finance also reported improvement in asset quality metrics. Gross non-performing assets declined to ₹405 crore as of March 31, 2026, from ₹473 crore a year earlier, while net NPAs fell to ₹183 crore from ₹191 crore.
The GNPA ratio improved to 2.55% from 3.26% in March 2025, while the NNPA ratio stood at 1.17% compared to 1.32% a year ago.
The company said it carried provisions for expected credit losses amounting to ₹343 crore, equivalent to 2.2% of total loan assets, with Stage-3 assets carrying a coverage ratio of 55%.
Disclaimer: This article is based on company-reported financial figures and disclosures. Investors are advised to consult certified financial advisors before making investment decisions.