Background: Repco Home Finance Limited (RHFL) is a low to medium ticket size home loan financ ing company predominately bas ed in tier II / III cities of southern India. Promoted by the State-ow ned Repco Bank Ltd in 2000, RHFL presently has 82 branches and 21 satellite centers of which 91 are located in the Southern market. Repco has grow n from strength to strength w ith its loan book cloc king 38% CAGR ( FY 09- FY13) and stood at INR ~43.19bn at the end 3QFY14. RHFL average loan ticket s ize is at INR 1.07mn, w hile client base stood at 47064. RHFL maintained a healthy NIM of 4.6%, along w ith GNPA at...