Repco Home Finance Sets Q2 FY27 Earnings Call for November 6

Repco Home Finance Ltd will discuss its unaudited quarter ended September 30, 2026 results on November 6, 2026, after reporting ₹843 crore of Q1 FY27 disbursements and reaffirming its ₹5,000 crore full-year disbursement target. The call will provide investors with an update on whether business momentum improved after the first-quarter operational disruption.

When will Repco Home Finance hold its Q2 FY27 earnings call?

Repco will hold its Q2 FY27 earnings conference call on Friday, November 6, 2026, at 3:30 PM IST. The call, organised by YES Securities (India) Ltd, relates to the financial quarter ended September 30, 2026.

The company has stated that its Q2 financial results are unaudited. The disclosure does not provide Q2 revenue, profit, disbursement, asset-quality or margin figures. Those details are therefore expected to be discussed only after the relevant results are announced and during the management interaction.

Investors and other participants must pre-register through the Zoom webinar link provided in the company communication. Repco trades under NSE symbol REPCOHOME, BSE code 535322 and Bloomberg code REPCO IN.

Which executives will represent Repco on the call?

Repco's call will be led by Managing Director and Chief Executive Officer T. Karunakaran, along with senior operating and finance executives. The scheduled management team also includes Whole Time Director and Chief Development Officer B. Kannan, Chief Business Officer M. Raja and Chief Operating Officer A. Palpandi.

Chief Financial Officer Shanthi Srikanth, Company Secretary and Compliance Officer Ankush Tiwari are also listed as representatives. Their participation gives investors an opportunity to seek clarity on loan growth, funding costs, profitability, asset quality and execution against the company's full-year targets.

The event follows Repco's Q1 FY27 earnings release on August 12, 2026. In that update, management attributed the muted start to the year to routine annual staff transfers and promotions during April and May, which temporarily affected operations.

What did Repco report in Q1 FY27?

Repco reported Q1 FY27 disbursements of ₹843 crore, compared with ₹829 crore in Q1 FY26, while assets under management reached ₹15,990 crore as of June 30, 2026. AUM was 8.9% higher year on year.

Net interest income rose to ₹216 crore from ₹207 crore a year earlier. Net profit increased to ₹114 crore from ₹108 crore, and net interest margin was 5.4% for the quarter, with a reported spread of 3.4%.

The company also reported earnings per share of ₹19.44 for Q1 FY27, compared with ₹18.40 in the corresponding first quarter of the previous year. Separately, the provided results summary states revenue of ₹207 crore and net income of ₹122 crore; these figures differ from the reported net profit figure in the same source disclosure and should be read in the context of the company’s detailed financial statements.

What is Repco's FY27 growth guidance?

Repco has reaffirmed FY27 disbursement guidance of ₹5,000 crore and AUM growth guidance of 13% to 14%. Management said July and early-August disbursements were tracking in line with expectations after the operational disruption seen in Q1.

For Q2 FY27, the company has targeted disbursements of ₹1,200 crore to ₹1,250 crore. Management explained that the lower Q1 disbursement pace reflected the recurring process of employee transfers and promotions, rather than a change in its stated full-year plan.

Repco has also outlined a goal of reducing non-performing assets by ₹40 crore and bringing gross non-performing assets below 2% by March 2027. The Q1 earnings-call summary reported gross NPAs of ₹427 crore, or 2.7%, after an increase of ₹22 crore quarter on quarter.

Management has indicated that Q2 spread could compress by about 10 basis points. It attributed the potential pressure to aggressive pricing and efforts to retain loans that could otherwise be transferred out, while stating that funding costs remained stable through National Housing Bank refinance and negotiations with banks.

Why does the Q2 update matter for investors?

The Q2 update matters because Repco needs stronger disbursement momentum to meet its stated ₹5,000 crore target after the ₹843 crore achieved in Q1. The company's Q2 target of ₹1,200 crore to ₹1,250 crore represents a marked sequential increase from the first-quarter level.

Investors will also assess whether AUM growth moves closer to the 13% to 14% annual guidance. As of June 30, AUM growth was 8.9% year on year, so the pace of loan originations and any changes in repayments or portfolio transfers will be relevant to the full-year trajectory.

Margin and asset-quality commentary will be equally relevant. The company has disclosed a possible 10-basis-point spread compression in Q2 and has set a March 2027 gross-NPA target below 2%. The results announcement does not yet quantify whether these measures improved during the September quarter.

Conclusion

Repco's November 6 call will give the market its first formal update on the September quarter and on management's effort to recover from the Q1 disruption linked to employee transfers and promotions. The available Q1 data showed higher disbursements, net interest income and net profit year on year, although AUM growth remained below the company's full-year guidance range.

The main points to watch are the disclosed Q2 disbursements against the ₹1,200 crore to ₹1,250 crore target, progress toward 13% to 14% AUM growth, the stated risk of around 10 basis points of spread compression, and the plan to reduce gross NPAs below 2% by March 2027.