Repco Home Finance delivered a robust Q4 FY26 and full year FY26 performance. **Business Performance:** Loan sanctions surged 25% year-over-year (YoY) to Rs. 1,320 Cr, with disbursements growing 22% YoY to Rs. 1,186 Cr.

Net profit for the quarter rose 4% YoY to Rs. 129 Cr.

The total loan book expanded 10% YoY to Rs. 15,880 Cr.

Asset quality improved significantly, with Gross Non-Performing Assets (GNPA) dropping to 2.55% from 3.26% last year.

Contributions from non-salaried (53%) and housing loans (71%) drive the portfolio, with Tamil Nadu and Telangana leading growth. **Growth Drivers & Strategy:** RHFL continues its strategy of expanding geographical reach, now operating across 12 states with 242 centers.

Focus remains on customer-centric services, innovative products, and penetrating under-served markets, ensuring a balanced portfolio. **Key Financial Metrics:** The company boasts a strong Total Capital Adequacy Ratio of 35.38%. Q4 Net Interest Margin (NIM) was 5.5%, Return on Equity (ROE) stood at 14.9%, and Return on Assets (ROA) at 3.4%. **Management Commentary:** Management is pleased with the quarter's strong operational performance and improving asset quality trends, signaling positive momentum.