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Repco Home Finance reported a net consolidated profit of INR 103.15 crore for the quarter ended September 30, 2025, down 5.12% from INR 108.72 crore in the same quarter last year. Total income increased by 4.18% to INR 441.90 crore, while the loan book grew by 7.7 % to INR 15,033 crore. The gross NPA ratio improved to 3.16 % and net NPA stood at around 1.50 %. Non salaried borrowers account for 52.6 % of loans, and the company maintained a strong capital adequacy ratio of 36.88 %, reflecting prudent risk management.
Repco Home Finance posted a net consolidated profit of INR?103.15?crore for the quarter ended September 30, 2025, marking a 5.12 % decline from INR 108.72 crore in the same period a year earlier. The drop in profit comes despite a growth in income and a steadily expanding loan book. Advertisement
The company's total income rose to INR 441.90 crore, up 4.18 % from INR 424.19 crore in the corresponding quarter of the previous fiscal. Its loan portfolio reached INR?15,033 crore, growing 7.7 % from INR 13,964 crore in the prior year. As of June 30, 2025, assets under management were recorded at INR 14,690 crore, indicating consistent growth in lending operations.
Repco Home Finance's loan composition shows a balanced focus between salaried and non salaried segments. Loans to non salaried borrowers now account for 52.6 % of the portfolio, while salaried segment loans make up 47.4 %. Housing loans continue to dominate, forming 71.4 % of the total book, with home equity loans at 28.6 %. The company's entire portfolio remains retail-focused, emphasizing steady growth in the housing finance segment.
Asset quality remained robust, with the gross NPA ratio improving to 3.16 % and net NPA around 1.50 % as of September 30, 2025. Gross NPA stood at INR 475 crore compared to INR 552 crore in the same quarter last year, while net NPA was INR 225 crore against INR 217 crore previously. The company set aside INR 375 crore as provisions for expected credit losses, representing 2.5 % of the total loan assets, and maintained a stage 3 asset coverage ratio of 52.5 %.
During the quarter, sanctioned loans totaled INR 1,206 crore and disbursements reached INR 1,069 crore. Return on assets (RoA) fell to 2.9 % and return on equity (RoE) to 13.5 %, compared with 3.3 % and 16 % in the same quarter last year. Despite these declines, the capital adequacy ratio remained strong at 36.88 %, providing a buffer for future growth and risk management.
The results indicate that while the company is expanding its lending operations and maintaining healthy asset quality, profitability is under pressure. Repco Home Finance continues to focus on disciplined credit appraisal and portfolio diversification to sustain growth, particularly in the non?salaried borrower segment, while keeping a strong capital base.
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