Investor presentation on financial results

RHFL/SE/34/2026-27 11th August, 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 ended on 30th June, 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 ended on 30th June, 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 Q1FY27 www.repcohome.com Earnings PresentationAugust 2026 Agenda Repco Home Finance Limited  About Us  MD & CEO Comments  Board of Directors  Q1FY27 Performance Business summary Financial performance Borrowing Profile Credit Rating  Geographic Presence Footprint Region-wise loan book  Annexure Earnings PresentationAugust 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August 2026 3 MD and CEO Comments on Quarter ended 30th June 2026 Repco Home Finance Limited We are happy to share the performance of RHFL during the Quarter Q1 FY27. Loan sanctions stood at Rs. 938 crores in Q1 FY27 as against to Rs. 1320 crores in Q4 FY26 and Rs. 907 crores in Q1 FY26. Loan disbursements stood at Rs. 843 crores in Q1 FY27 as against to Rs. 1,186 crores in Q4 FY26 and Rs. 829 crores in Q1 FY26. Total income stood at Rs. 468 crores in Q1 FY27 as against to Rs. 454 crores in Q4 FY26 and Rs. 441 crores in Q1 FY26. The GNPA for Q1 FY27 is 2.7%, compared to 2.6% in Q4 FY26 and 3.3% in Q1 FY26. Furthermore, the proportion of stage-2 assets is 7.2% in Q1 FY27, compared to 7.0% Q4 FY26 and 9.7% in Q1 FY26, reflecting a marginal increase compared to previous quarter, while remaining improvedcomparedto Q1FY 26. Net profits stood at Rs. 114 crores in Q1 FY27 as against to Rs. 129 crores in Q4 FY26 and Rs. 108 crores in Q1 FY26. The employeestrength of the Company as of 30th June 2026 is 1,571. The overall loan book stood at Rs. 15,990 crores at the end of June 30, 2026, as against Rs. 14,690 crores a year back. The AUM was Rs. 15,880 crores as of March 31, 2026. As of June 30, 2026, loans to the non-salaried segment accounted for 53.5% of the outstanding loan book and loans for salaried segment accounts for 46.5%. Housing loans accounted for 70.8% of the loans while Home Equity products accounted for 29.2% of loan book. 100% of the loans given by the Company are retail loans. Earnings PresentationAugust 2026 4 Board of Directors Repco Home Finance Limited Mr. C. ThangarajuChairman, Non- Mr. E.Santhanam, Non-Executive Mr. B. Raj Kumar, Non-Executive Executive and Non-Independent Director and Non-Independent Director’ and Independent Director Mrs. Usha Ravi, Non-Executive and Mr. Mrinal Kanti Bhattacharya, Non- Mr. R.Vaithianathan, Non-Executive Independent Director Executive and Independent Director and Independent Director Dr. G. Venkataiah, Non-Executive Mr. P. K. Vaidyanathan, Whole time Director & Mr. T. Karunakaran, Managing and Independent Director Chief Development Officer (Additional Director) Director & CEO Earnings PresentationAugust 2026 5 Repco Home Finance Limited Q1 FY27 Performance Earnings PresentationAugust 2026 6 Business Summary Repco Home Finance Limited Loans Outstanding Net Owned Fund Total Capital Adequacy Rs. 15,990 Cr Rs. 3,768 Crs Ratio 36.1% Average loan per unit Number of live accounts Network Rs. 14 Lakhs 1,15,063 242 GNPA – 2.7% ECL provision – 2.2% Earnings PresentationAugust 2026 7 Business performance momentum Repco Home Finance Limited Figures in Rs. crores 1,400 1,320 1,206 1,186 1,200 1,069 1,0871 ,064 1,000 907 829 843 Q1 Q2 Q3 Q4 Q1 FY26 FY27 Sanctions Disbursements Earnings PresentationAugust 2026 8 Key Indicators –Q1FY27 vs Q1FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q1FY27 938 843 216 3.4% 1.7% 10.2% Q1FY26 907 829 196 Operating Revenue PBT PAT Q1FY27 468 148 114 6.1% 1.3% 5.5% Q1FY26 441 146 108 Earnings PresentationAugust 2026 9 Key Indicators – Q1FY27 vs Q4FY26 Repco Home Finance Limited Figures in Rs crores Sanctions Disbursements Net Interest Income Q1FY27 938 843 216 -28.9% -28.9% 4.3% Q4FY26 1320 1186 Operating Revenue PBT PAT Q1FY27 468 148 114 0% -11.6% 3.0% Q4FY26 454 148 129 Earnings PresentationAugust 2026 10 Portfolio Composition Repco Home Finance Limited Figures in Rs crores LLooaann BBooookk NNeett OOwwnneedd FFuunndd 18,000 4,000 15,880 15,990 3,768 3,800 16,000 3,634 14,690 3,600 14,000 3,401 3,400 12,000 3,200 10,000 3,000 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 LLooaann bbooookk ccoommppoossiittiioonn MMiixx ooff LLooaann PPoorrttffoolliioo 100% 100% 27.6% 29.3% 29.2% 80% 80% 52.3% 53.3% 53.5% 60% 60% 40% 40% 72.4% 70.7% 70.8% 20% 47.7% 46.7% 46.5% 20% 0% 0% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Salaried Non Salaried Home loan Home Equity Earnings PresentationAugust 2026 11 Quarterly Profitability ratios (3M) Repco Home Finance Limited NNeett IInntteerreesstt MMaarrggiinn SSpprreeaadd 6.0% 3.8% 3.6% 5.5% 5.4% 3.4% 5.5% 5.4% 3.5% 3.3% 5.0% 3.2% 4.5% 2.9% 2.6% 4.0% 2.3% 3.5% 2.0% 3.0% Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 RReettuurrnn oonn EEqquuiittyy RReettuurrnn oonn AAsssseettss 18.0% 4.0% 14.9% 3.4% 14.0% 15.0% 12.7% 2.9% 2.9% 3.0% 12.0% 9.0% 2.0% 6.0% 1.0% 3.0% 0.0% 0.0% Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Earnings PresentationAugust 2026 12 Quarterly Performance Metrics (3M) Repco Home Finance Limited Figures in Rs crores IInnccoommee ffrroomm OOppeerraattiioonnss NNeett iinntteerreesstt iinnccoommee 500 454 468 250 441 216 400 200 300 150 200 100 100 50 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 NNeett pprrooffiitt SSaannccttiioonnss aanndd DDiissbbuurrsseemmeennttss 140 129 1,500 1,320 120 108 114 1,186 1,200 100 907 938 829 843 20 - Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Sanctions Disbursements Earnings PresentationAugust 2026 13 Quarterly Operating cost (3M) Repco Home Finance Limited Figures in Rs crores EEmmppllooyyeeee CCoosstt OOtthheerr OOppeexx 50 30 44 26 25 25 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 CCoosstt ttoo IInnccoommee RRaattiioo 40.0% 31.1% 30.0% 26.0% 24.3% 20.0% 10.0% 0.0% Q1FY26 Q4FY26 Q1FY27 Earnings PresentationAugust 2026 14 Asset Quality Repco Home Finance Limited 3.5% 3.30% 3.16% 2.92% 3.0% 2.67% 2.55% 2.5% 2.0% 1.5% 1.17% 1.23% 1.50% 1.38% 1.0% 1.19% 0.5% 0.0% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 GNPA NNPA Earnings PresentationAugust 2026 15 GNPA Movement Repco Home Fin [Showing first 8,000 characters — download PDF for full document]