Repco Home Finance Q1 FY27 Results

Repco Home Finance reported a net profit of ₹114 crore for the first quarter of fiscal year 2027 (Q1 FY27). This marks a 5.6% increase from ₹108 crore in Q1 FY26.

Total income for the quarter stood at ₹468 crore, up 6.1% from ₹441 crore in the same period last year. Net Interest Income (NII) saw a 10.2% rise to ₹216 crore, up from ₹196 crore in Q1 FY26.

Reader Takeaway: Steady YoY growth in income and profit; monitor sequential loan disbursement dip.

What just happened

Repco Home Finance announced its financial results for the quarter ending June 30, 2026 (Q1 FY27). The company posted a net profit of ₹114 crore on a total income of ₹468 crore. Net Interest Income was ₹216 crore.

The overall loan book grew to ₹15,990 crore, an increase of 8.9% year-on-year. The Capital Adequacy Ratio (CAR) remained robust at 36.13%, well above the regulatory minimum of 15%.

Why this matters

The results indicate stable financial performance with year-on-year growth in key income and profit metrics. The expanding loan book and strong capital adequacy signal a healthy operational base for future growth. Investors get a clear view of the company's performance and financial health.

The backstory

In the previous quarter (Q4 FY26), Repco Home Finance had reported a net profit of ₹129 crore and total income of ₹454 crore. Loan sanctions and disbursements were higher in Q4 FY26 compared to Q1 FY27 on a sequential basis.

What changes now

Shareholders can assess the company's performance against expectations. The results provide current data points for investment decisions. The company's focus on expanding its loan book and maintaining strong capital reserves continues to be a key operational strategy.

Risks to watch

While year-on-year growth is positive, the sequential moderation in loan sanctions (₹938 crore in Q1 FY27 vs ₹1,320 crore in Q4 FY26) and disbursements (₹843 crore vs ₹1,186 crore) could be a point of concern if it persists. Asset quality metrics, particularly Net NPA, saw a slight increase.

Peer comparison

(Peer comparison data not available in the filing.)

Context metrics (time-bound)

• Loan Sanctions (₹ crore): Q1 FY27: 938 | Q1 FY26: 907 | Q4 FY26: 1,320
• Loan Disbursements (₹ crore): Q1 FY27: 843 | Q1 FY26: 829 | Q4 FY26: 1,186
• Total Income (₹ crore): Q1 FY27: 468 | Q1 FY26: 441 | Q4 FY26: 454
• Net Interest Income (₹ crore): Q1 FY27: 216 | Q1 FY26: 196 | Q4 FY26: 207
• Net Profit (₹ crore): Q1 FY27: 114 | Q1 FY26: 108 | Q4 FY26: 129
• Gross NPA Ratio: 2.7%
• Net NPA Ratio: 1.2%
• Loan Book: ₹15,990 crore (Q1 FY27)
• Capital Adequacy Ratio (CAR): 36.13%

What to track next

Investors will be keen to observe if the sequential slowdown in loan origination reverses in the upcoming quarters. Monitoring asset quality trends and profitability margins will be crucial.