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Repco Home Finance Ltd. is a housing finance company, which engages in the provision of long term loan financing for acquisition and construction of residential purposes. The company is headquartered in Chennai, Tamil Nadu and currently employs 898 full-time employees. The company went IPO on 2013-04-01. The company is engaged in financing the purchase and construction of houses. Its segments include individual home loans and loans against property (LAP). The company provides a variety of home loan products to individual borrowers in both salaried and non-salaried. Its products include Dream Home Loan, Home Makeover Loan, Plot loan, non-resident Indian (NRI), Housing Loan, Prosperity loan New Horizon Loan, Commercial Real Estate (CRE) Loan, and Composite Loan. The company provides Repco special loans, such as Fifty Plus Loan, Super Loan, Repco Bonanza 2020, Repco Nivaran 2020, and Repco Privilege Loan (Takeover/ BT + Top-up Loan). The company operates through 155 branches and 24 satellite centers. Its retail network is spread across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry.
Nothing flagged for monitoring
“Banking franchise in Housing Finance — Lending.”
Net Interest Income of ₹1,750 Cr on total income of ₹1,752 Cr.
Cost-to-income ratio at 12.7%. Provision coverage at 0.0% of income.
“we are setting a target of, in an enclosed about, 5,000 gross disbursement in the next financial year.”
“growth rate of, 8.”
“targeting, 16,200 crore, Yeah.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 11.8%▼ | 12.2% |
| ROCE | 9.5%▼ | 9.7% |
| Net Margin | 27.1%▲ | 26.5% |
| EBITDA Margin | 89.3%▲ | 83.4% |
| Debt To Equity | 3.02x▲ | 2.96x |
| Rev Growth 3yr | 11.4%▲ | 9.2% |
| EPS Growth 3yr | 14.5%▼ | 23.1% |
| Cost To Income | 12.7%▼ | 38.0% |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹1,787 Cr +6.1% | ₹1,685 Cr +10.5% | ₹1,525 Cr +18.8% | ₹1,284 Cr -0.5% | ₹1,290 Cr -6.1% | ₹1,373 Cr +2.1% | ₹1,345 Cr +13.1% | ₹1,189 Cr | |
| ₹7 Cr -81.3% | ₹36 Cr +118.7% | ₹16 Cr +5.6% | ₹15 Cr -5.9% | ₹16 Cr -12.7% | ₹19 Cr +232.8% | ₹6 Cr -4.7% | ₹6 Cr | |
| Total Income | ₹1,794 Cr +4.3% | ₹1,721 Cr +11.7% | ₹1,541 Cr +18.6% | ₹1,299 Cr -0.6% | ₹1,307 Cr -6.2% | ₹1,392 Cr +3.0% | ₹1,351 Cr +13.0% | ₹1,195 Cr |
| ₹1,212 Cr +6.6% | ₹1,137 Cr +11.9% | ₹1,016 Cr +13.1% | ₹898 Cr -14.2% | ₹1,047 Cr +4.5% | ₹1,002 Cr +1.2% | ₹991 Cr +18.6% | ₹835 Cr | |
| Profit Before Tax | ₹582 Cr -0.2% | ₹584 Cr +11.2% | ₹525 Cr +30.9% | ₹401 Cr +54.4% | ₹260 Cr -33.4% | ₹390 Cr +8.2% | ₹360 Cr +0.1% | ₹360 Cr |
| ₹133 Cr -10.0% | ₹148 Cr +13.9% | ₹130 Cr +24.2% | ₹105 Cr +54.0% | ₹68 Cr -33.5% | ₹102 Cr +28.0% | ₹80 Cr -36.2% | ₹125 Cr | |
| Net Profit | ₹475 Cr +3.0% | ₹461 Cr +10.9% | ₹416 Cr +31.6% | ₹316 Cr +62.9% | ₹194 Cr -35.3% | ₹300 Cr +0.7% | ₹298 Cr +19.7% | ₹249 Cr |
| Profit (Owners) | ₹475 Cr +3.0% | ₹461 Cr +10.9% | ₹416 Cr +31.6% | ₹316 Cr +62.9% | ₹194 Cr -35.3% | ₹300 Cr +0.7% | ₹298 Cr +19.7% | ₹249 Cr |
| Other Comprehensive Income | (₹2 Cr) -115.0% | (₹1 Cr) | (₹0.03 Cr) ↓ Decline | ₹0.13 Cr -68.3% | ₹0.41 Cr -8.9% | ₹0.45 Cr ↑ Recovery | (₹0.60 Cr) ↓ Decline | ₹0.84 Cr |
| EPS | ₹75.99 | ₹73.76 | ₹66.54 | ₹50.56 | ₹31.03 | ₹47.99 | ₹47.66 | ₹39.81 |
| Diluted Shares | ₹6 Cr | ₹6 Cr | ₹6 Cr | ₹6 Cr | ₹6 Cr | ₹6 Cr | ₹6 Cr | ₹6 Cr |
| Fees And Commission Income | ₹26 Cr +19.8% | ₹21 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Profit Or Loss Of Associates | ₹26 Cr +2.4% | ₹26 Cr +19.5% | ₹22 Cr +7.0% | ₹20 Cr +689.1% | ₹3 Cr -79.7% | ₹13 Cr -29.1% | ₹18 Cr +23.4% | ₹14 Cr |
| Impairment On Financial Instruments | (₹31 Cr) +17.3% | (₹38 Cr) | (₹0.51 Cr) ↓ Decline | ₹52 Cr -77.9% | ₹233 Cr +188.6% | ₹81 Cr | ₹0.00 Cr | ₹0.00 Cr |
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Repco Home Finance Limited has informed the Exchange regarding 'Intimation under Regulation 6 (1) & Regulation 7(1) of SEBI (Listing Obligations and Disclosure requirements) Regulations 2015 for Debt ...
Repco Home Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Repco Home Finance Limited has informed the Exchange about Retirement
Repco Home Finance Limited has informed the Exchange regarding 'Redemption of Commercial Paper'.
Repco Home Finance Limited has informed the Exchange about Copy of Newspaper Publication
Repco Home Finance Limited has informed the Exchange about Cancellation of Investor Conference
Repco Home Finance Limited has informed the Exchange about Copy of Newspaper Publication
O.M. Gokul has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.
Repco Home Finance Limited has informed the Exchange about Schedule of meet
Repco Home Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Repco Home Finance Limited has informed the Exchange regarding allotment of 12500 securities pursuant to Non Convertible Securities at its meeting held on March 13, 2026
Repco Home Finance Limited has informed the Exchange about Credit Rating- Others
Repco Home Finance Limited has submitted the Exchange a copy Srutinizers report of Postal Ballot
Repco Home Finance Limited has informed the Exchange regarding 'Newspaper Publication and Social Media communication'.
Repco Home Finance Limited has informed the Exchange about Transcript