Repco Home Finance Ltd.
Snapshot View

359.25 -1.50 ▼-0.4%

23 July 2021, 04:00:00 P.M.
Volume: 5,301

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance - Housing Compare with Industry peers
Website http://www.repcohome.com
Financial Indicators
Market Cap 2,228.44 Cr.
Earnings per share (EPS) 47.99 Trailing Twelve Months Ending 2021-03
Price-Earning Ratio (PE) 7.42 Trailing Twelve Months Ending 2021-03
Industry PE 54.87 Trailing Twelve Months Ending 2021-03
Book Value / Share 337.73 Trailing Twelve Months Ending 2021-03
Price to Book Value 1.05 Calculated using Price: 356.20
Dividend Yield 0.70 Period Ending 2020-03
No. of Shares Subscribed 6.26 Cr. 62,561,362 Shares
FaceValue 10
Company Profile

Repco Home Finance Ltd (RHFL) is a professionally managed housing finance company, incorporated in April 2000. It is registered as a housing finance company with the National Housing Bank (NHB). The company is operating through many branches and several satellite centres in Tamil Nadu, Andhra Pradesh, Jharkhand, Kerala, Karnataka, Maharashtra, Madhya Pradesh, Gujarat, Odisha, West Bengal and Puducherry. The mission of RHFL has been to translate into reality the aspirations of people to own a house by covering the market -existing and potential- 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, well recognized brand in south India with an established track record, stable and experienced senior management team. The Company’s products have been developed to suit the needs of different customers.

Business area of the company

The company provides a variety of tailor-made home loan products to individual borrowers in both salaried and non-salaried (self-employed professional and self-employed non-professional) classes to suit various requirements.

Products

‘Repco - Rural’ Home Loans: Loans to Individuals under ‘Weaker Section’ Category in Rural areas for Purchase/Construction/Repairs/renovation/upgradation of house

Dream Home Loan: Housing loans for the purpose of construction or purchase of a residential property.

Home makeover Loan: Loans for the purpose of repairs, renovation, and / or extension/improvement of a residential property.

Plot Loans: Loans for outright purchase of plots for construction of a house thereon.

NRI Housing Loans: Loans to Non-Resident Indians for construction/ purchase of house in India.

Prosperity Loan: Loans against mortgage of immovable property for such purposes as may be desired by the borrower.

New Horizon Loan: Loans for purchase and / or construction of non-residential and commercial property like Marriage Halls, Shopping complex, Office buildings etc.

Commercial Real Estate (CRE) Loan: Loans for construction/purchase of integrated house buildings comprising of some commercial spaces like shops/office spaces combined with residential building with substantial floor space allotted for residential premises.

Fifty Plus Loan: Home loans exclusively to salaried class borrowers who are aged above 50 years in which their loan repayments and disbursements are structured around their retirement / pension income.

Super Loan: Loans for construction (including extensions and additions to existing property) on the land owned by borrower’s parents.

Milestones

  • 2000: Incorporated as Repco Home Finance
  • 2002: Received certificate of registration from NHB
  • 2003: Loan book crossed Rs 1,000 million
  • 2007: Opening of 25th branch
  • 2007: Investment by Carlyle
  • 2007: Loan book crossed Rs 5,000 million
  • 2009: Loan book crossed Rs 10 billion
  • 2009: First branch outside the southern states opened in Pune, Maharashtra
  • 2010: Rated ‘LA+ (stable)’ by ICRA
  • 2010: Opening of 50th branch
  • 2011: Rated ‘A+ (stable)’ by ICRA
  • 2012: Opening of 70th branch
  • 2012: Loan book crossed Rs 30 billion
  • 2014-15: Launch of National Investment and Infrastructure Fund with flow of funds to the tune of Rs. 20,000 crores, which would enable the fund to borrow money and invest equity money in infrastructure finance companies and NHB.
  • 2017-18: Launch of a new Home Loan Scheme Repco Super Delight plus
  • 2019-20: The loan book of the Company as at the end of financial year 2019-20 was Rs. 11826.12 crore as against Rs. 11,036.82 crore in the previous year representing a growth of 7.15%.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-0.42%
1 Week
-5.34%
1 Month
-3.01%
3 Month
+14.10%
6 Month
+37.12%
1 Year
+185.35%
2 Year
+9.73%
5 Year
-57.49%
6 years 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03
Return on Equity (%) 15.24 16.97 17.27 16.24 16.28 16.55
Return on Capital Employed (%) 10.43 11.60 11.43 10.53 10.60 10.38
Return on Assets (%) 2.02 2.17 2.17 2.14 2.26 2.44

Balance Sheet View Details

Particulars 6 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Shh. Funds 817 963 1,150 1,326 1,557 1,830
Non Curr. Liab. 3,990 5,178 5,761 6,752 8,602 9,085
Curr. Liab. 1,273 1,630 2,145 1,671 827 1,122
Minority Int.
Equity & Liab. 6,081 7,772 9,055 9,748 10,987 12,037
Non Curr. Assets 5,654 7,233 8,419 9,702 10,918 11,701
Curr. Assets 427 539 637 46 69 336
Misc. Exp. not W/O
Total Assets 6,081 7,772 9,055 9,748 10,987 12,037

Profit Loss View Details

Particulars 6 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Net Sales 692 881 1,044 1,107 1,189 1,345
Other Income 1 1 2 3 6 6
Total Income 693 882 1,046 1,110 1,195 1,351
Total Expenditure -72 -99 -116 -151 -110 -153
PBIDT 621 783 930 959 1,085 1,198
Interest -431 -548 -646 -649 -720 -825
Depreciation -3 -4 -4 -3 -5 -13
Taxation -63 -80 -98 -106 -125 -80
Exceptional Items
PAT 123 150 182 201 235 280

Cash Flow View Details

Particulars 6 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr.
Cash Fr. Operatn. -1,193 -1,414 -1,001 -557 -1,015 -461
Cash Fr. Inv. -7 -7 -6 0 -11 -4
Cash Fr. Finan. 1,195 1,424 1,009 562 1,058 733
Net Change -5 3 2 5 32 267
Cash & Cash Eqvt 16 19 21 26 58 324

Shareholding Pattern View Details

9 Qtrs 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%)
Promoter 37.13 37.13 37.13 37.13 37.13 37.13 37.13 37.13 37.13
Public 62.87 62.87 62.87 62.87 62.87 62.87 62.87 62.87 62.87
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Thu, 08 Jul 2021
Shareholding for the Period Ended June 30 2021
Repco Home Finance Ltd has submitted to BSE the Shareholding Pattern for the Period Ended June 30 2021. For more details kindly Click here
Wed, 07 Jul 2021
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
Please find enclosed herewith a Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations 2018 issued by M/s.KFin Technologies Private Limited the Registrar and Share Transfer Agent of the Company for the quarter ended June 30 2021.
Wed, 07 Jul 2021
Statement Of Investor Complaints For The Quarter Ended June 2021
No.of Investor complaints pending at the beginning of the quarter No.of Investor complaints received during the quarter No.of Investor complaints disposed of during the quarter No.of Investor complaints unresolved at the end of the quarter
0000
Name of the Signatory :- T Karunakaran
Designation :- Chief Financial Officer

Technical Scans View Details

Fri, 23 Jul 2021
Decreasing Relative Strength - Benchmark index Decreasing Relative Strength - Benchmark index
Decreasing Relative Strength - Sectoral index Decreasing Relative Strength - Sectoral index
Both SRS And ARS Above Zero Both SRS And ARS Above Zero
Close Crossing Current Week Low Close Crossing Current Week Low
MACD Moving Below Zero MACD Moving Below Zero

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