Analysts/Institutional Investor Meet/Con. Call Updates

RHFL/SE/75/2026-27 10th 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: Transcript of Analyst/Investor Conference Call held on 6th November, 2026 Ref: Our letters Ref no. RHFL/SE/68/2026-27 and RHFL/SE/73/2026-27 dated 29th October, 2026 and 6th November, 2026 respectively, regarding Earnings Conference call In continuation to our above referred letters, please find attached the Transcript of Analyst/ Investor conference call/earnings call held on 6th November, 2026. The aforesaid Transcript will also be made available on the Company’s website www.repcohome.com. This intimation is submitted pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. 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 Q2 FY2027 Earnings Call” November 06, 2026 Management: Mr. T. Karunakaran – Managing Director & Chief Executive Officer Mr. B. Kannan - Whole-Time Director & Chief Development Officer Mr. M. Raja - Chief Business Officer Mr. A. Palpandi - Chief Operating Officer Mr. Ankush Tiwari - Company Secretary & Compliance Officer Ms. Shanthi Srikanth - Chief Financial Officer Page 1 of 14 Repco Home Finance Limited November 06, 2026 Moderator: Ladies and gentlemen, good day, and welcome to Repco Home Finance Limited’s Q2 FY2027 Earnings Call hosted by Yes Securities Limited. Please note all participant lines will be in the listen-only mode. There will be an opportunity for you to ask questions following the conclusion of the management’s opening remarks. Please note that this conference is being recorded. I now hand the conference over to Mr. Rajiv Mehta from Yes Securities. Thank you, and over to you. Rajiv Mehta: Good afternoon. Thank you everyone for joining us and thank you to the management for giving us this opportunity to host the second quarter earnings call. We have with us Mr. T. Karunakaran, MD and CEO; Mr. B. Kannan, Whole-Time Director and Chief Development Officer; Mr. M. Raja, Chief Business Officer; Mr. A. Palpandi, Chief Operating Officer; Mr. Ankush Tiwari, Company Secretary and Compliance Officer, and Ms. Shanthi Srikanth, Chief Financial Officer. Mr. Karunakaran, Sir, will start with his opening remarks, and post which we will open the floor for questions. So, open to you, Mr. Karunakaran! T. Karunakaran: Thank you, Mr. Rajiv. Good afternoon to everyone and I am extending warm welcome to this call to discuss our September 2026 performance and way forward. Thank you for joining. The detailed results are in the investor presentation on our website, so I am not going to read every number. Before discussing the current quarter September 2026 performance, I would like to go back, I would like to recollect the efforts taken by the Company to improve the business in terms of increasing the disbursement, to increase the AUM, to reduce the NPA and other stage assets. Technology side, we have revamped our technology side. Digitalization’s we have carried out. We have also implemented an entire digitalization program. We have carried out the digitalization program in two phases. Phase one consists of implementation of core application and phase two consists of supporting applications. We have implemented Core applications and mobile applications. We have also integrated our software with other software like CERSAI and CIBIL, etc., to improve the turnaround time. Second, we have done a verticalization in our Company. Earlier branch head was responsible for all the activities which have its own limitations. We want to take this Company to next level. Verticalization or specialization is required. We have done verticalization in our Company. We have introduced a separate vertical for sales, recovery, collections, operations, credit and SARFAESI management. Third, in the last two to three years we have opened approximately 50 branches across the country to reach people. This year we want to open another 12 to 13 branches across the country, majority of our branches will be in non-TN. These are the initiatives, few initiatives we have taken in last two to three years. The results are now almost building a strong base of Repco is completed. Now our focus is growth and aggressive growth which is evident from the disbursement number. If you look at our Page 2 of 14 Repco Home Finance Limited November 06, 2026 disbursement number since September 2025, we crossed Rs.1000 Crores disbursement per quarter barring June 2026 last quarter. Last quarter we had a lot of transfers and promotion exercise we carried out, which likely affected our June 2026 disbursements. Now all the transfers, what are the transfers we have put in first quarter all the people are settled down in their places, they started to be leading the business, disbursements are increasing, we have seen substantial improvement in asset quality in terms of reduction in NPA and stage two assets. As end of September 2026, our AUM stood at Rs.16,425 Crores, which is almost up by 9 to 9.2% year-on-year basis. Our sanctions as end of September for the quarter ended stood at Rs.1359 Crores as against Rs.1205 Crores the corresponding period of previous year. Again, our disbursements have crossed a 1000 Crores mark. We have done a disbursement of Rs.1205 Crores in September 2027 as against disbursement of Rs.1069 Crores in last financial year. Now this is on business side, we have seen substantial improvement in the asset quality. Our gross NPA as end of September 2026 stood at Rs.396 Crores as against Rs.475 Crores in last September. Our gross NPA stood at 2.4%. We have seen substantial improvement in stage 2 assets also. As end of September our stage 2 assets stood at Rs.1154 Crores as against Rs.1324 Crores in the corresponding period of the previous year. Our provision coverage ratio stood at 66%. These are our performance in NPA side, on core asset quality side in September 2026. Our book remains well diversified; we have not seen any significant change in the salary and HL versus non-HL. Our book is well diversified. As end of September out of total book non-salaried account for 53.6% and salaried accounted for 46.4%. The mix of home loan versus home equity remains constant. So out of total AUM 71% of our AUM is housing loans, remaining is a non-HL, of course 29% is a non-HL. The entire AUM is retained. Right now, we do not have any exposure to builder loans. The average ticket size is incrementally it is about 23 to 25 lakhs and overall book it is about 14 lakhs. Almost 57% of the books come from TN, remaining is from non-TN. We have taken initiative to improve the non-TN book. Going forward I am expecting books from other states will increase. Coming to the borrowing side, last year we started diversification in liability side. We have done NCDs, CPs and PTCs. As end of the September overall borrowing cost stood at 8.35, out of total borrowings almost 86% of the funding is coming from banking system, it of course not depends on one or two banks it is spread across almost 19 to 20 banks. 7.2% of the funding is coming from National Housing Bank by way of refinance. For current financial year National Housing Bank has sanctioned Rs.600 Crores refinance facility to ours out of Rs.600 Crores Q1 we have taken Rs.106 Crores and Q2 we have taken Rs.125 Crores. Remaining amount will be utilized based on our needs. NCDs and PTCs accounted for almost 0.7% of total borrowings and Repco Bank funding is about 1%. During Q2 we raised Rs.75 Page 3 of 14 Repco Home Finance Limited November 06, 2026 Crores funds through way of issuing commercial papers at the rate of 7.6%. We done a pass- through [Showing first 8,000 characters — download PDF for full document]