REC Limited reported a standalone net profit of Rs 157.13 billion for the financial year ended March 31, 2025, up 12% from Rs 140.19 billion in the previous fiscal. The growth was supported by strong performance across business verticals, the resetting of interest rates on loan assets, and efficient finance cost management, helping the company maintain its spreads and net interest margins (NIM).

For FY25, disbursements stood at Rs 1,911.85 billion compared to Rs 1,614.62 billion in FY24, marking an 18% increase. Net interest income rose 27% year-on-year to Rs 198.78 billion from Rs 156.85 billion. Total income for the year was Rs 559.80 billion, up 19% from Rs 472.14 billion. The NIM improved by 6 basis points to 3.63%.

Earnings per share (EPS) for FY25 rose to Rs 59.55, up from Rs 53.11 in FY24.

REC’s loan book, or Assets Under Management (AUM), increased steadily to Rs 5.66 trillion as of March 31, 2025, from Rs 5.09 trillion a year earlier. Net credit-impaired assets dropped to 0.38% from 0.86% following the resolution of five impaired loan assets totaling Rs 61.71 billion during the year.

The company’s net worth rose 13% year-on-year to Rs 776.38 billion as of March 31, 2025, from Rs 687.83 billion the previous year. Capital Adequacy Ratio (CRAR) remained strong at 25.99%.

REC’s Board recommended a final dividend of Rs 2.60 per share, subject to shareholder approval. The total dividend for FY25 amounts to Rs 18 per share, up from Rs 16 in FY24.