Financial Services
Repco Home Finance Limited (repcohome) Q2 FY27 Results: Loan Sanctions Surge, Profitability Up
Repco Home Finance Limited (REPCOHOME) reports strong Q2 FY27 results with loan sanctions up and profitability improving.
Repco Home Finance Limited (REPCOHOME) has unveiled its Q2 FY27 results, showcasing a robust performance across various metrics. The company reported a significant surge in loan sanctions, reaching Rs. 1,359 crores in Q2 FY27, up from Rs. 938 crores in Q1 FY27 and Rs. 1,205 crores in Q2 FY26. Loan disbursements also saw a notable increase, climbing to Rs. 1,205 crores in Q2 FY27 compared to Rs. 843 crores in Q1 FY27 and Rs. 1,069 crores in Q2 FY26.
Financial Performance
The total income for the quarter stood at Rs. 481 crores, reflecting a healthy growth trajectory. The company’s net profit for Q2 FY27 was Rs. 116 crores, up from Rs. 114 crores in Q1 FY27 and Rs. 107 crores in Q2 FY26. The GNPA (Gross Non-Performing Assets) ratio for Q2 FY27 was 2.4%, a slight improvement from 2.7% in Q1 FY27 and 3.1% in Q2 FY26.
Operational Highlights
Repco Home Finance Limited’s loan book has expanded to Rs. 16,425 crores as of September 30, 2026, up from Rs. 15,033 crores a year ago. The company’s net owned fund stands at Rs. 3,875 crores, and the total capital adequacy ratio is 37%. The employee strength as of September 30, 2026, is 1,636, and the number of live accounts is 1,16,229.
Looking ahead, Repco Home Finance Limited is poised for continued growth, leveraging its strong financial health and operational efficiency to serve its customers better and expand its market presence.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Repco Home Finance Limited
Repco Home Finance Limited belongs to the Financial Services › Mortgage Finance sector. Here’s a quick read on where the business and the stock stand today.
Repco drops 15.1% over three months and trades near its 52-week lows. The PEG of 0.30 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. D/E stands at 0.00 with a 3.64% dividend yield. Furthermore, the business records zero revenue dips and zero loss quarters in five years — a fortress balance sheet. The stock sits at 14% of its 52-week range, close to annual lows. Historically, value investors build positions at these levels — though cheap stocks can stay cheap. Revenue grows at 44.9% and profits at 14.6% CAGR, with D/E of 0.00. Meanwhile, the stock dips 15.1% in three months without any fundamental deterioration. Consequently, the stock quietly becomes cheaper relative to earnings power. For long-term investors, that is a feature. Check Fundamentals of Repco Home Finance Limited.
Financial Services
India Shelter Finance Corporation Limited (indiashltr) Q2fy27: AUM Grows 23% Yoy, Disbursements Up 21% Yoy
India Shelter Finance Corporation Limited (INDIASHLTR) reports Q2FY27 results with AUM growth of 23% YoY, disbursements up 21% YoY, and PAT rising 19% YoY.
India Shelter Finance Corporation Limited (INDIASHLTR) announced its unaudited financial results for the quarter and half year ended September 30, 2026, showing significant growth across key metrics. The company’s Gross Assets Under Management (AUM) reached Rs. 11,997 crores, marking a year-on-year growth of 23%. Disbursements also saw a robust increase, with Rs. 1,126 crores disbursed, a 21% rise compared to the same period last year.
Profitability Metrics
Profit after tax (PAT) for the quarter stood at Rs. 146 crores, reflecting a 19% growth year-on-year. The Return on Assets (RoA) was 5.7%, while the Return on Equity (RoE) was 17.3%. The company’s net worth stood at Rs. 3,401 crores, and it maintained a liquidity position of Rs. 2,210 crores.
Asset Quality
The company’s asset quality remained stable, with Gross Stage 3 and Net Stage 3 at 1.5% and 1.2% respectively. The Provisions Coverage Ratio (PCR) for Stage 3 was stable at 25%.
Commenting on the performance, Mr. Rupinder Singh, Managing Director and CEO of India Shelter Finance Corporation, said: ‘We are pleased to announce that the Company delivered another strong quarter of profitable and quality-led growth.’ The company continues to expand its geographic presence with 312 branches and a total employee strength of 5,010 as of Q2FY27.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of India Shelter Finance Corporation Limited
India Shelter Finance Corporation Limited belongs to the Financial Services › Mortgage Finance sector. Here’s a quick read on where the business and the stock stand today.
India drops 22.8% over three months and trades near its 52-week lows. The PEG of 0.30 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. D/E of 1.83 is elevated. As a result, debt servicing will compress free cash flow in a high-rate environment. RSI stands at 20, well into oversold territory. Yet sellers still dominated on 15 of recent sessions versus 13 for buyers, so the pressure has not fully lifted. The business compounds at 37.8% revenue and 48.0% profit CAGR, with D/E of 1.83. Yet the stock drops 22.8% in three months. The business does not deteriorate — the stock does. That gap is what long-term investors look for. Check Fundamentals of India Shelter Finance Corporation Limited.
Credit Services
Muthoot Microfin Limited (NSE: Muthootmf) Q2 FY27: Strong Business Momentum While Building a More Diversified and Resilient Enterprise
Muthoot Microfin Limited (MUTHOOTMF) reports strong Q2 FY27 results with highest-ever disbursements, diversified portfolio, and improved asset quality.
Muthoot Microfin Limited (NSE: MUTHOOTMF) announced its unaudited financial performance for the quarter and half year of the financial year 2026-27, showcasing strong business momentum while building a more diversified and resilient enterprise for the future. The company achieved the highest-ever quarterly disbursements of Rs. 2,900 crore, registering a growth of 27.5% year-on-year and 9.7% quarter-on-quarter.
Diversified Portfolio Growth
The Gross Loan Portfolio (GLP) reached Rs. 15,323 crore, registering a growth of 22.0% year-on-year. The non-JLG portfolio expanded to 31% of GLP, reflecting the company’s progress in diversifying its portfolio beyond the traditional JLG segment. The small and micro enterprise loan portfolio scaled to Rs. 4,164 crore, accounting for 27% of GLP, with near-zero delinquency.
Operational Efficiency and Profitability
Digital collections increased to 46.7% of total collections, up from 25% in Q2 FY26. Collection efficiency improved to 98.1%, up 477 bps year-on-year, while X-bucket collection efficiency stood at 99.9%. The active customer base stood at 32.7 lakh, supported by a pan-India network of 1,675 branches.
The recent revision of the Global Rating’s outlook to ‘Positive’ by CareEdge, following CRISIL’s upgrade of the company’s long-term rating to AA-/Stable earlier this year, further reinforces the strength of the business and the improving credit profile.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Muthoot Microfin Limited
Muthoot Microfin Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
Muthoot falls 27.2% over three months and has not found a floor yet. The PEG stands at 9.23 — severely stretched. Any earnings miss could trigger a sharp de-rating. D/E reaches 3.08. High leverage in this environment is a material risk the market cannot ignore. Sellers drive 1.5x the volume of buyers. Furthermore, they controlled 17 of recent sessions versus 13 for buyers — a clear distribution signal. Revenue grows at 19.5% CAGR — a respectable pace. However, the stock drops 27.2% in three months without an obvious fundamental trigger. Sector-wide pressure or a valuation re-rating can persist for longer than expected. Therefore, there is no rush to step in. Check Fundamentals of Muthoot Microfin Limited.
Capital Markets
Master Trust Limited (mastertr) Q2 FY27: Revenue and PAT Surge with 21.13% and 21.94% Growth
Master Trust Limited (MASTERTR) reports strong Q2 FY27 performance with 21.13% growth in total income and 21.94% surge in PAT.
Master Trust Limited (MASTERTR) has reported its unaudited financial results for Q2 FY27, showcasing a robust performance with a 21.13% year-on-year growth in total income and a 21.94% surge in PAT. The diversified financial services company, offering broking, lending, wealth management, and investment solutions, has demonstrated significant financial strength and operational efficiency.
Revenue and Profitability
The company’s total income for Q2 FY27 stood at ₹1,536.78 Mn, up from ₹1,268.66 Mn in the same period last year. The EBITDA also rose to ₹663.66 Mn, reflecting a 14.44% year-on-year increase. The EBITDA margin slightly decreased to 43.19% from 45.71%, while the PAT margin increased marginally by 16 Bps to 24.92%.
Segment Performance
The Principal Strategies segment contributed ₹652.06 Mn, accounting for 42.43% of total revenue, with a 35.19% year-on-year growth, driven by strong performance in investment and trading activities. The Brokerage & Allied segment generated ₹351.45 Mn, contributing 22.87% to total revenue, with an 11.63% year-on-year growth. Interest income and MTF & Allied together contributed 29.63% of total revenue, generating ₹455.31 Mn, with a combined growth of 22.30% year-on-year and 13.52% quarter-on-quarter.
Looking ahead, Master Trust Limited remains focused on enhancing client engagement through digital platforms, growing the margin trading book, and increasing contributions from distribution and wealth management products. The company is committed to disciplined capital allocation, operational efficiency, and creating long-term value for its stakeholders.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Master Trust Limited
Master Trust Limited belongs to the Financial Services › Capital Markets sector. Here’s a quick read on where the business and the stock stand today.
Master moves sideways over three months, with neither buyers nor sellers taking control. The PEG of 0.30 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Industry-leading margins of 25.0% reflect exceptional pricing power and operational efficiency. The stock holds at 31% of its 52-week range with RSI at 42. In other words, neither side has a clear edge right now. Revenue grows at 17.5% and profits at 24.1% CAGR, with D/E of 0.00. Meanwhile, the stock dips 6.0% in three months without any fundamental deterioration. Consequently, the stock quietly becomes cheaper relative to earnings power. For long-term investors, that is a feature. Check Fundamentals of Master Trust Limited.
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