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 has 97 branches and 40 satellite centers of which 90 are located in the Southern market. Repco has grown from strength to strength with its loan book clocking 36% CAGR (FY09-FY14) and stood at INR ~55.0bn at the end 3QFY15. RHFL average loan ticket size is at INR 1.18mn, with live accounts at 54,377. RHFL maintained a healthy NIM of 4.5%,...