Earnings presentation

RHFL/SE/71/2026-27 5th November, 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 NSE Symbol: REPCOHOME BSE Security Code: 535322 Kind Attn: Listing Department Dear Sir/Madam, Sub: Investor Presentation on financial results for the quarter and half year ended 30th September, 2026 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we submit herewith a copy of the presentation on the financial performance of the Company for the quarter and half year ended 30th September, 2026. This disclosure will also be made available on the website of the Company, www.repcohome.com. This is submitted for your information and records. Thanking You, Yours Faithfully, For Repco Home Finance Limited Ankush Tiwari Company Secretary & Compliance Officer Repco Home Finance Limited Earnings Presentation Q2 FY27 www.repcohome.com Earnings PresentationNovember 2026 Agenda Repco Home Finance Limited ◆ About Us ◆ MD & CEO Comments ◆ Board of Directors ◆ Q2 FY27 Performance Business summary Financial performance Borrowing Profile Credit Rating ◆ Geographic Presence Footprint Region-wise loan book ◆ Annexure Earnings Presentation  November 2026 2 About us Repco Home Finance Limited Repco Home Finance Ltd (RHFL) is a professionally managed housing finance company head quartered in Chennai, Tamil Nadu. We were incorporated in April 2000. We are registered as a Housing Finance Company (HFC) with the National Housing Bank (NHB) The mission of RHFL has been to translate into reality the aspirations of people to own a house by covering the existing and potential market comprehensively through institutional credit support customized to suit individual needs in a transparent and ethical way. The salient and unique features of RHFL are innovative loan products, direct customer contact and customer ownership, focus on quality customer servicing, transparency and speed of operations, focus on relatively under-penetrated markets and balanced portfolio mix, robust risk management systems and processes, low cost operations, established track record, stable and experienced senior management team. We have witnessed a steady growth in the past by increasing our geographical footprint by deepening our reach selectively in existing regions and expanding to new regions. Earnings Presentation  November 2026 3 MD and CEO Comments on Quarter ended 30th September 2026 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q2 FY27. Loan sanctions stood at Rs. 1359 crores in Q2 FY27 as against to Rs. 938 crores in Q1 FY27 and Rs. 1205 crores in Q2 FY26. Loan disbursements stood at Rs. 1205 crores in Q2 FY27 as against to Rs. 843 crores in Q1 FY27 and Rs. 1069 crores in Q2 FY26. Total income stood at Rs. 481 crores in Q2 FY27 as against to Rs. 468 crores in Q1 FY27 and Rs. 445 crores in Q2 FY26. The GNPA for Q2 FY27 is 2.4%, compared to 2.7% in Q1 FY27 and 3.1% in Q2 FY26. Furthermore, the proportion of stage-2 assets is 7.0% in Q2 FY27, compared to 7.2% Q1 FY27 and 8.8% in Q2 FY26. Net profits stood at Rs. 116 crores in Q2 FY27 as against to Rs. 114 crores in Q1 FY27 and Rs. 107 crores in Q2 FY26. The employee strength of the Company as of 30th September 2026 is 1,636. The overall loan book stood at Rs. 16,425 crores at the end of September 30, 2026, as against Rs. 15,033 crores a year back. The AUM was Rs. 15,990 crores as of June 30, 2026. As of September 30, 2026, loans to the non-salaried segment accounted for 53.6% of the outstanding loan book and loans for salaried segment accounts for 46.4%. Housing loans accounted for 71% of the loans while Home Equity products accounted for 29% of loan book. 100% of the loans given by the Company are retail loans. Earnings Presentation  November 2026 4 Board of Directors Repco Home Finance Limited Mr. C. Thangaraju Chairman, Non- Mr. E.Santhanam, Non-Executive Mr. B. Raj Kumar, Non-Executive Mr. Mrinal Kanti Bhattacharya, Non- Executive and Non-Independent Director and Non-Independent Director’ and Independent Director Executive and Independent Director Mr. R.Vaithianathan, Non-Executive Mrs. Usha Ravi, Non-Executive and Dr. G. Venkataiah, Non-Executive Mrs. Aparna Sudip Kumar , Non- and Independent Director Independent Director and Independent Director Executive and Independent Director Mr. T. Karunakaran, Managing Mr. B Kannan , Whole time Director & Chief Director & CEO Development Officer (Additional Director) Earnings Presentation  November 2026 5 Repco Home Finance Limited Q2 FY27 Performance Earnings Presentation  November 2026 6 Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 16,425 Crs Rs. 3,875 Crs Ratio 37% Average loan per unit Number of live accounts Network Rs. 14 Lakhs 1,16,229 242 GNPA – 2.4% ECL provision – 2.1% Earnings Presentation  November 2026 7 Business performance momentum Repco Home Finance Limited Figures in Rs. crores 1,600 1,359 1,320 1,400 1205 1,186 1,205 1,200 1,069 1,087 1,064 1,000 Q2 Q3 Q4 Q1 Q2 FY26 FY27 Sanctions Disbursements Earnings Presentation  November 2026 8 Key Indicators –Q2FY27 vs Q2FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q2FY27 1359 1205 220 12.7% 12.7% 10.0% Q2FY26 1205 1069 200 Operating Revenue PBT PAT Q2FY27 481 149 116 8.0% 5.0% 8.4% Q2FY26 445 142 107 Earnings Presentation  November 2026 9 Key Indicators – Q2FY27 vs Q1FY27 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q2FY27 1359 1205 220 44.8% 43.0% 1.8% Q1FY27 938 843 216 Operating Revenue PBT PAT Q2FY27 481 149 116 0.6% 1.7% 2.7% Q1FY27 468 148 114 Earnings Presentation  November 2026 10 Portfolio Composition Repco Home Finance Limited Figures in Rs crores Loan Book Net Owned Fund 18,000 4,000 3,875 16,425 3,768 15,990 3,800 16,000 15,033 3,600 3,464 14,000 3,400 12,000 3,200 10,000 3,000 Sep'25 Jun'26 Sep'26 Sep'25 Jun'26 Sep'26 Loan book composition Mix of Loan Portfolio 100% 100% 29.0% 29.2% 29.0% 53.0% 53.5% 53.6% 40% 40% 71.0% 70.8% 71.0% 20% 47.0% 46.5% 46.4% 20% 0% 0% Sep'25 Jun'26 Sep'26 Sep'25 Jun'26 Sep'26 Salaried Non Salaried Home loan Home Equity Earnings Presentation  November 2026 11 Half-Yearly Profitability ratios (6M) Repco Home Finance Limited Net Interest Margin Spread 6.0% 3.6% 3.5% 5.5% 5.4% 5.4% 3.3% 3.2% 5.0% 4.5% 2.8% 4.0% 2.4% 3.5% 2.0% 3.0% Sep'25 Sep'26 Sep'25 Sep'26 Return on Equity Return on Assets 16.0% 13.6% 4.0% 12.5% 12.0% 2.9% 2.9% 3.0% 8.0% 2.0% 4.0% 1.0% 0.0% 0.0% Sep'25 Sep'26 Sep'25 Sep'26 Earnings Presentation  November 2026 12 Half-Yearly Performance Metrics (6M) Repco Home Finance Limited Income from Operations Net Interest Income 1,000 949 600 500 436 - 100 Sep'25 Sep'26 Sep'25 Sep'26 Net Profit Sanctions and Disbursements 250 230 215 3,000 200 2,297 2,112 2,048 2,000 1,898 1,000 Sep'25 Sep'26 Sep'25 Sep'26 Sanctions Disbursements Earnings Presentation  November 2026 13 Half-Yearly Operating Cost (6M) Repco Home Finance Limited Employee Cost Other OPEX 80 73 60 56 62 51 Sep'25 Sep'26 Sep'25 Sep'26 Cost to Income Ratio 30.0% 27.8% 26.3% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Sep'25 Sep'26 Earnings Presentation  November 2026 14 Quarterly Profitability ratios (3M) Repco Home Finance Limited Net Interest Margin Spread 4.0% 6.0% 3.7% 5.4% 5.4% 5.5% 5.5% 3.6% 3.4% 3.4% 5.0% 3.2% 4.5% 2.8% 4.0% 2.4% 3.5% 3.0% 2.0% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Return on Equity Return on Assets 16.0% 13.5% 4.0% 12.7% 12.6% 12.0% 2.9% 2.9% 2.9% 3.0% 8.0% 2.0% 4.0% 1.0% 0.0% 0.0% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Earnings Presentation  November 2026 15 Quarterly Performance Metrics (3M) Repco Home Finance Limited Figures in Rs crores Income from Operations Net interest income 600 250 216 220 481 200 500 445 468 200 Q2FY26 [Showing first 8,000 characters — download PDF for full document]