| Management target | AUM 34.0% FY27 |
|---|
| Margins | Healthy NIM at 10.91%; yields on HL at 19.53%. |
|---|---|
| Demand visibility | Strong rural demand; underserved 'missing middle' segment remains primary driver. |
| Management confidence | High; 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)
Earnings Call filed with BSE, NSE: SRGHFL. Summary written with AI assistance from the document.
SRG Housing Finance Ltd: key numbers
- Share price
- ₹146.80
- Market cap
- ₹230.6 Cr
- Revenue (annual)
- ₹199.3 Cr
- Net profit (annual)
- ₹32.49 Cr
- P/E (TTM)
- 6.8×Sector 22.0×
- Promoter holding
- 59.02%-0.01% 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 →SRG Housing Finance Debt & Borrowing: ₹0.39 Cr
SRG Housing Finance completed a partial redemption of non-convertible debentures on September 24, 2026, paying Rs.0.39 Crore to debenture holders.
- Value
- ₹0.39 Cr
SRG Housing Finance Debt & Borrowing: ₹0.2 Cr
SRG Housing Finance Limited has made the scheduled interest payment of Rs. 0.20 Crore for its non-convertible debentures on the due date.
- Value
- ₹0.20 Cr
SRG Housing Finance Debt & Borrowing: ₹0.59 Cr
SRG Housing Finance serviced its NCDs (INE559N07066) by making an interest payment and partial principal redemption totaling approximately ₹0.59 Crore.
- Value
- ₹0.59 Cr
SRG Housing Finance Promoter Buying: ₹1.98 Cr
Promoter Vinod Kumar Jain and Archis Jain acquired equity shares via market purchases worth Rs. 1.98 Crore across multiple transactions on 15-16 September 2026.
- Value
- ₹1.98 Cr
- Promoter stake change
- +0.69%
SRG Housing Finance Earnings Call Transcript: Key Takeaways
Management is in damage-control mode following an Economic Times article alleging a ₹400 Cr fund diversion. They deny all allegations while confirming NHB has 'Red Flagged' their account.
SRG Housing Finance Promoter Buying
Promoter Vinod Kumar Jain acquired 70,000 equity shares of SRG Housing Finance Limited through an open market purchase. This increases his stake in the company.
- Promoter stake change
- +0.44%