ALFA Finder India's fastest NSE & BSE filing alerts on Telegram, filtered to the stocks you hold Telegram alerts alfafinder.com →
Thursday, 12 November 2026 Every NSE & BSE announcement, by company
ALFA Filings Every announcement, straight from the exchange
Get Alerts
Earnings Call

SRG Housing Finance Earnings Call: Key Takeaways

SRG Housing Finance reported FY26 AUM of INR 1,042 Cr and PAT of INR 33 Cr, maintaining focus on rural underserved borrowers with 94% rural loan book and 10.91% NIM.

SRG Housing Finance Ltd NSE: SRGHFL Alert sent
Guidance and delivery
Management target AUM 34.0% FY27
Highlights
MarginsHealthy NIM at 10.91%; yields on HL at 19.53%.
Demand visibilityStrong rural demand; underserved 'missing middle' segment remains primary driver.
Management confidenceHigh; leveraging Acuité rating upgrade for lower borrowing costs.

Growth

AUM grew ~36% CAGR (FY14-26) to INR 1,042 Cr; PAT grew ~32% CAGR to INR 33 Cr.

Outlook

Management expects AUM to reach INR 1,300-1,500 Cr by FY27, supported by targeted disbursements of INR 600 Cr.

Risks

Exposure to informal income segments and self-employed customers (74.49% of AUM) may increase credit volatility during economic cycles.

Last quarter's promises, checked

Delivered

  • Guided AUM >1000 Cr → delivered 1042 Cr (= BEAT)
  • Guided 500 Cr disbursement target → delivered 443.54 Cr (= PARTIAL/MISS)
  • Guided NIM ~11% → delivered 10.91% (= BEAT)

Partly delivered

  • Guided 500 Cr disbursements → delivered 443.54 Cr (= PARTIAL)
Source

Earnings Call filed with BSE, NSE: SRGHFL. Summary written with AI assistance from the document.

Read the document ↗

SRG Housing Finance Ltd: key numbers

Share price
₹106.00
Market cap
₹166.5 Cr
Revenue (annual)
₹199.3 Cr
Net profit (annual)
₹32.49 Cr
P/E (TTM)
4.9×Sector 20.8×
Promoter holding
59.97%+0.95% QoQ
FII holding
0.00%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

More from SRG Housing Finance Ltd

All →