Background: Repco Home Finance Limited (RHFL) is a low to medium ticket size home loan financing company predominately based in tier II / III cities of southern India. Promoted by the State-owned Repco Bank Ltd in 2000, RHFL presently has106 branches and 36 satellite centers of which ~91% are located in the Southern market. Repco has grown from strength to strength with its loan book clocking 30% CAGR (FY11-FY15) and stood at INR ~60bn at the end 4QFY15. RHFL average loan ticket size is at INR 1.20mn, with live accounts at 60000+. RHFL maintained a healthy NIM of...