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 91 branches and 31 satellite centers of which 87 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 ~48.92bn at the end FY1QFY15. RHFL average loan ticket size is at INR 1.1mn, while client base stood at 50,486. RHFL maintained a healthy NIM of...