Repco Home Finance reported its fourth quarter and full year results for FY26, recording resilient earnings and improved asset quality. Total income in the fourth quarter of FY26 stood at Rs 4.54 billion (bn) and net profit was Rs 1.29 bn, while for the full year total income reached Rs 17.98 bn with net profit of Rs 4.53 bn. The company noted loan sanctions of Rs 13.2 bn and disbursements of Rs 11.86 bn in the fourth quarter.

Asset quality showed improvement as gross non-performing assets amounted to Rs 4.05 bn as of March 31, 2026, down from Rs 4.73 bn a year earlier. Net non-performing assets were Rs 1.83 bn at the same date, compared with Rs 1.91 bn on March 31, 2025. The gross non-performing assets ratio stood at 2.55 per cent and net non-performing assets ratio at about 1.17 per cent, supported by provisions for expected credit losses of Rs 3.43 bn or 2.2 per cent of total loan assets.

Quarter on quarter comparisons showed loan sanctions rose by 21 per cent and disbursements by 12 per cent versus quarter three of FY26, while net interest income was largely stable. Against the fourth quarter of FY25, sanctions were up by 25 per cent and disbursements rose by 22 per cent, with net interest income up 16 per cent year on year. Loan spread remained healthy at 3.6 per cent in the fourth quarter and return on assets and return on equity improved to 3.4 per cent and 14.9 per cent respectively.

Capital adequacy remained robust at 35.38 per cent against the regulator minimum of 15 per cent. The company maintained a network of 210 branches and 32 satellite centres across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, Gujarat, West Bengal, Madhya Pradesh, Jharkhand, Rajasthan and the Union Territory of Puducherry. Management in the release signalled continued focus on portfolio quality, calibrated growth and sustaining profitability.