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 102 branches and satellite centers of which 91 are located in the Southern market. Repco has grown from strength to strength with its loan book clocking 38% CAGR (FY09-FY13) and stood at INR ~40.35bn at the end 2QFY14. RHFL average loan ticket size is at INR 1mn, while client base stood at 45409. RHFL maintained a healthy NIM of...