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Repco Home Finance Last updated2026-05-28

Repco Home Finance EMI Calculator 2026 rates.

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Quick answer

Repco Home Finance home loan rate starts at 10.5% (typical 11.5%) as of 2026. A ₹50 lakh loan at 11.5% over 20 years = an EMI of approximately ₹53,321/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Repco Home Finance loan rates (May 2026)

🏠 Home Loan

10.5–14.5%

typical: 11.5% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

0.5-1.5% of loan amount (min ₹3,500) for home loans. LAP attracts 1.5-2.0%.

🔁 Prepayment

Zero foreclosure charges on floating-rate individual home loans (RBI mandated). 2% on fixed-rate loans prepaid from non-own-source funds.

About Repco Home Finance

Why choose Repco Home Finance?

Repco Home Finance, incorporated in 2000, is promoted by the Repatriates Cooperative Finance and Development Bank Ltd (Repco Bank), a government-promoted entity originally established to support Sri Lankan repatriates. Headquartered in Chennai, Repco operates ~180 branches concentrated in Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, and Maharashtra, with an AUM of approximately ₹14,000 crore as of FY26. Repco focuses on affordable and mid-segment home loans with average ticket sizes of ₹13-15 lakh, and over 55% of borrowers are self-employed. The company is listed on BSE/NSE since April 2013 and carries AA- ratings.

🎯 Unique angle

Repco Home Finance is among the few HFCs with quasi-government promoter backing (Repco Bank, set up under a Government of India initiative for Sri Lankan repatriates) and a deep South India distribution moat built over 25 years. Pricing is tighter than pure affordable HFCs because the book skews toward mid-segment borrowers.

Product highlights

✓ Repco Home Loan (Self-Employed)
✓ Repco Home Loan (Salaried)
✓ Repco Plot Loan
✓ Loan Against Property (LAP)
✓ Home Improvement Loan

❓ Repco Home Finance FAQ

Common questions.

How is Repco Home Finance different from a commercial bank?

Repco is a dedicated HFC regulated by RBI/NHB and cannot offer current/savings accounts or non-housing products. Its specialty is mid-segment home loans (₹10-30 lakh) to self-employed South Indian borrowers, with deeper informal-income underwriting flexibility than banks. The quasi-government promoter (Repco Bank, originally a Sri Lankan-repatriate cooperative bank backed by GoI) adds institutional comfort while keeping rates competitive.

Who should choose Repco Home Finance for a home loan?

Self-employed and salaried borrowers in Tier-2/Tier-3 towns of Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, and Kerala seeking ticket sizes of ₹10-40 lakh are Repco's core segment. Borrowers seeking the convenience of a long-established South India HFC with branch-based service often prefer Repco over north-India-focused affordable HFCs.

Is Repco Home Finance safe and well-rated?

Yes — Repco carries AA-/A+ ratings from CARE and ICRA, has been listed on BSE/NSE since 2013, and is promoted by Repco Bank (a quasi-government cooperative bank). GNPA is maintained at 3-4% (slightly elevated due to mid-segment self-employed exposure), capital adequacy is above 30%, and the company has been consistently profitable. It is regulated by RBI/NHB and has been a long-standing recipient of NHB refinance.

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