Repco Home Finance Limited (REPCOHOME) Earnings Call Transcripts

Repco Home Finance Limited's Latest Earnings Call - Q4 FY2026

In Q4 FY '26, Repco Home Finance Limited reported record disbursements of INR 1,186 crores for the quarter and INR 4,148 crores for the fiscal year, marking a 26% increase year-over-year. The company achieved a net profit of INR 129.11 crores for the quarter, up from INR 108.77 crores in the previous quarter, and an annual profit of INR 453 crores, slightly up from INR 449 crores year-over-year. Management maintained a target of INR 5,000 crores in disbursements for FY '27, aiming for an AUM of INR 18,000 crores by year-end, signaling a cautious optimism for growth despite ongoing challenges with prepayments and customer profile dynamics.

Reported metrics

Guidance from management

Management targets disbursements of INR 5,000 crores for FY '27, aiming for an AUM of INR 18,000 crores by year-end. They expect to maintain disbursement momentum above INR 1,000 crores per quarter.

What management said

No. Right now, yes, we want to do some book buying, not on very big way or aggressive manner to test the things we may do this financial year about INR 25 crores to INR 30 crores, not more than that. Majority of the my book is from our own -- not buying from the market.

Yes, we have taken a lot of steps to arrest BT out. Now the BT out are fully under control. The average BT out as of now is about INR 30 crores to INR 35 crores per month. BT out are really under control. Of course, to retain a good customer, we have reduced our interest rate also because of our spread also slightly came down.

What analysts pressed on

Analysts expressed concerns over the slow AUM growth despite strong disbursement figures. There were questions regarding the sustainability of disbursement rates and the impact of prepayments on overall loan book growth, with calls for increased sales personnel to enhance productivity.

Main topics on the call

• Record Disbursements — Repco achieved its highest disbursement ever at INR 1,186 crores in Q4 FY '26 and INR 4,148 crores for the fiscal year, a 26% increase from last year. Management stated, "Overall, quarter-on-quarter and year-on-year, we ...
• NPA Reduction — The company successfully reduced its GNPA from 3.26% to 2.55% year-over-year, with overall NPAs decreasing from INR 475 crores to INR 405 crores. Management highlighted, "We have seen substantial corrections improvement ...
• Cost of Funds — The cost of funds stood at 8.56%, with expectations of a slight reduction due to a sanctioned INR 600 crores refinance facility from the National Housing Bank. Management indicated, "We expect it might go down around 10 ...
• Dividend Declaration — The Board declared a total dividend of 75%, the highest in the company's history, including a 30% final dividend. Management expressed a commitment to maintain this trend, stating, "We want to continue this trend."

Read the full Repco Home Finance Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 23 Repco Home Finance Limited earnings call transcripts on record, spanning February 10, 2020 to May 22, 2026. Based on this history, Repco Home Finance Limited reports quarterly. The most recent call on file is dated May 22, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

REPCOHOME

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Consumer Finance

Calls on record

23

First call

February 10, 2020

Most recent

May 22, 2026

Reporting cadence

quarterly