NEW DELHI: Repco Home Finance reported a 5.12% decrease in its consolidated net profit for the quarter ending September 30, 2025. The profit after tax for Q2 FY26 was ₹103.15 crore, down from ₹108.72 crore in the same quarter last year, according to a BSE filing.
The company’s consolidated total income for Q2 FY26 was ₹441.90 crore, reflecting a 4.18% increase from ₹424.19 crore in the corresponding quarter of the previous fiscal year.
The overall loan portfolio amounted to ₹15,033 crore as of September 30, 2025, an increase of 7.7% from ₹13,964 crore a year earlier. The assets under management (AUM) were ₹14,690 crore as of June 30, 2025. As of September 30, 2025, loans to non-salaried borrowers made up 52.6% of the total loan book, while those to salaried borrowers comprised 47.4%. Housing loans represented 71.4% of the portfolio, and home equity products accounted for the remaining 28.6%. Remarkably, all loans issued by the company are retail loans.
The gross non-performing assets (GNPA) ratio was recorded at 3.16%, with a net NPA ratio of approximately 1.50% as of September 30, 2025. This represents a decline from 3.96% and 1.59% the previous year. The gross NPA stood at ₹475 crore compared to ₹552 crore a year prior, while the net NPA amounted to ₹225 crore, up from ₹217 crore a year ago.
The company has set aside provisions for expected credit losses totaling ₹375 crore, or 2.5% of total loan assets, with a coverage ratio of 52.5% for stage-3 assets.
Loan sanctions reached ₹1,206 crore, and disbursements were ₹1,069 crore for Q2 FY26. The return on assets was 2.9%, resulting in a return on equity of 13.5%, compared to 3.3% and 16.0% respectively in Q2 FY25. Additionally, the capital adequacy ratio stood at 36.88%.
