Annual Report of the financial year 2025-26

RHFL/SE/41/2026-27 2nd September, 2026 National Stock Exchange of India Limited, BSE Limited Exchange Plaza, Phiroze Jeejeebhoy Towers Bandra Kurla Complex, Bandra (E) Dalal Street Mumbai-400 051 Mumbai- 400001 Kind Attn: Listing Department Dear Sir/Madam, Sub: Annual Report of the financial year 2025-26 and Notice of 26thAnnual General Meeting (AGM) and Book Closure dates for purpose of Annual General Meeting (AGM) / Dividend – Reg. Ref: Regulation 30, 34, and 42 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 We hereby inform you that the 26th Annual General Meeting of the Company is scheduled to be held on Tuesday, 29th September, 2026, at 11:30 A.M. through Video Conferencing (“VC”) / Other Audio Visual Means (“OAVM”). Pursuant to Regulation 30 and 34 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the Annual Report of the Company for the financial year 2025-26 together with the Notice of the 26th Annual General Meeting, which is being sent through electronic mode today i.e., 2nd September, 2026, to the Members who have registered their email addresses with the Company/RTA/Depositories. The above mentioned documents are made available on the website of the Company at https://www.repcohome.com Further, in accordance with the Regulation 36(1)(b) of the SEBI Listing Regulations, the Company will be sending letter to the Shareholders whose e-mail addresses are not registered with the Company/RTA/ Depositories, providing a web-link from where the Annual Report of the financial year 2025-26 and Notice of 26thAnnual General Meeting can be accessed on the website of the Company. The schedule of events is set out below: Cut-off date to vote on AGM resolutions Tuesday, 22nd September, 2026 From 9:00 A.M. (IST) on Saturday, 26th Commencement of Remote e-voting September, 2026 Up to 5:00 P.M. (IST) on Monday, 28th End of Remote e-voting September, 2026 Annual General Meeting Tuesday, 29th September, 2026, at 11:30 A.M. (IST) Pursuant to Regulation 42 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, this is to hereby inform that the Registrar of Members and Share Transfer Books of the Company shall remain closed from 23rd September, 2026 and 29th September, 2026 (both days inclusive) and the record date for the purpose of payment of final dividend for the financial year 2025-26 and the 26th Annual General Meeting is 22nd September, 2026. The dividend if any approved by the members at the ensuing Annual General Meeting will be paid within 30 days of declaration of dividend to the shareholders. The above information is also available on the website of the Company at www.repcohome.com. This is submitted for information and records. Thanking You, Yours Faithfully, For Repco Home Finance Limited Ankush Tiwari Company Secretary & Compliance Officer Annual Report 2025-26 Corporate Information 04 Committees of the Board 05 Financial Highlights 09 Contents Management Discussion And Analysis 10 Directors’ Report 26 Report On Corporate Governance 96 Web Links 124 Auditor’s Report 126 Balance Sheet 138 Statement of Profit and Loss 139 Statement of Changes in Equity 140 Statement of Cash Flow 142 Material Accounting Policies and Notes forming part of the Standalone Financial Statements 144 Notes to Financial Statements 160 Consolidated Auditor’s Report 236 Consolidated Balance Sheet 244 Consolidated Statement of Profit and Loss 245 Consolidated Statement of Changes In Equity 246 Consolidated Statement of Cash Flow 248 Material Accounting Policies and Notes Forming 250 part of the Consolidated Financial Statements Notes to The Consolidated Financial Statements 266 Notice of Annual General Meeting 343 List of Branches 373 List of Satellite Centres 378 OUR MISSION Translating into reality the aspirations of people to own a house covering the market existing and potential comprehensively through institutional credit support customised to suit individual needs in a transparent and ethical way. CORPORATE INFORMATION Corporate Identification Number (CIN) : L65922TN2000PLC044655 LBegOal AEntRityD Ide nOtifFier D(LEII)R NuEmCbeTr : O335R80S0M7AQBAQYVHEW38 Mr. C. Thangaraju Mr. E. Santhanam Mr. B. Raj Kumar Chairman, Non-Executive and Non-Executive and Non-Executive and Non-Independent Director Non-Independent Director Independent Director (DIN 00223383) (DIN 01483217) (DIN 05204091) Mr. Mrinal Kanti Bhattacharya Mr. R. Vaithianathan Mrs. Usha Ravi Non-Executive and Non-Executive and Non-Executive and Independent Director Independent Director Independent Director (DIN 07854294) (DIN 05267804) (DIN 09788209) Dr. G. Venkataiah Mrs. Aparna Sudip Kumar Mr. T. Karunakaran Non-Executive and Non-Executive and Managing Director & CEO Independent Director Independent Director (DIN 09280701) (DIN 11234332) (DIN 07667316) Mr. P.K. Vaidyanathan Mr. B. Kannan Wholetime Director Wholetime Director (DIN 11234342) (DIN 11885253) COMMITTEES OF THE BOARD AUDIT COMMITTEE Mr. Mrinal Kanti Bhattacharya Mr. E.Santhanam Non-Executive and Independent Director- Chairman Mr. B.Raj Kumar Non-Executive and Non-Independent Director - Member Mr. R.Vaithianathan Non-Executive and Independent Director- Member Mrs. Usha Ravi Non-Executive and Independent Director- Member Non-Executive and Independent Director - Member NOMINATION & REMUNERATION COMMITTEE Mr. B.Raj Kumar Mr. E.Santhanam Non-Executive and Independent Director - Chairman Mr. Mrinal Kanti Bhattacharya Non-Executive and Non-Independent Director- Member Mr. R.Vaithianathan Non-Executive and Independent Director- Member Dr. G.Venkataiah Non-Executive and Independent Director - Member Non-Executive and Independent Director - Member RISK MANAGEMENT COMMITTEE Mr. R.Vaithianathan Mr. C.Thangaraju Non-Executive and Independent Director - Chairman Mr. E.Santhanam Non-Executive and Non-Independent Director - Member Mr. Mrinal Kanti Bhattacharya Non-Executive and Non-Independent Director - Member Mrs. Usha Ravi Non-Executive and Independent Director - Member Mr. T. Karunakaran Non-Executive and Independent Director - Member Managing Director & CEO - Member MANAGEMENT COMMITTEE Mr. E.Santhanam Mr. B.Raj Kumar Non-Executive and Non-Independent Director - Chairman Mr. Mrinal Kanti Bhattacharya Non-Executive and Independent Director - Member Dr. G.Venkataiah Non-Executive and Independent Director - Member Mr. T. Karunakaran Non-Executive and Independent Director - Member Mr. P.K. Vaidyanatha n Managing Director & CEO - Member Wholetime Director - Member IT STRATEGY COMMITTEE Mrs. Usha Ravi Mr. C.Thangaraju Non-Executive and Independent Director– Chairperson Mr. E.Santhanam Non-Executive and Non-Independent Director – Member Mr. B.Raj Kumar Non-Executive and Non-Independent Director - Member Dr. G.Venkataiah Non-Executive and Independent Director - Member Mr. T. Karunakaran Non-Executive and Independent Director - Member Managing Director & CEO- Member CSR COMMITTEE Mr. C.Thangaraju Mr. E.Santhanam Non-Executive and Non-Independent Director - Chairman Mr. Mrinal Kanti Bhattacharya Non-Executive and Non-Independent Director - Member Mrs. Usha Ravi Non-Executive and Independent Director - Member Dr. G.Venkataiah Non-Executive and Independent Director - Member Mr. T. Karunakaran Non-Executive and Independent Director - Member Managing Director & CEO - Member STAKEHOLDERS’ RELATIONSHIP COMMITTEE Mr. E.Santhanam Mr. C.Thangaraju Non-Executive and Non-Independent Director - Chairman Mr. B.Raj Kumar Non-Executive and Non-Independent Director - Member Mr. Mrinal Kanti Bhattacharya Non-Executive and Independent Director - Member Mr. R.Vaithianathan Non-Executive and Independent Director- Member Dr. G.Venkataiah Non-Executive and Independent Director- Member Non-Executive and Independent Director - Member SECURITIES ALLOTMENT COMMITTEE Mr. B.Raj Kumar Mr. E.Santhanam Non-Executive and Independent Director - Chairman Mr. R.Vaithianathan Non-Executive an [Showing first 8,000 characters — download PDF for full document]