| Margins | NIM at 10.21%; Cost of borrowing reduced to 10.77%. |
|---|---|
| Demand visibility | Strong rural demand for self-construction and home purchase loans. |
| Management confidence | High; citing ACUITE A- credit rating upgrade. |
Growth
PAT grew 25% YoY to INR 85 Mn. Net Interest Income (NII) increased 32.4% YoY to INR 270 Mn.
Outlook
AUM grew at 36% CAGR (FY14-26). Management targeting further rural penetration and maintaining low LTV (~52%).
Risks
Asset quality shows slight divergence with GNPA at 1.73% while disbursement fell 16% YoY due to seasonal factors.
Last quarter's promises, checked
Delivered
- Targeted A- credit rating → delivered Acuité A- Stable (= BEAT)
- Guided AUM >INR 1,000 Cr → delivered INR 1,042 Cr (= BEAT)
- Targeted NIM ~11% → delivered 10.91% (= BEAT)
Partly delivered
- Guided AUM growth to INR 1,400-1,500 Cr → delivered INR 1,076 Cr (On track = PARTIAL)
Missed
- Targeted cost of borrowing decline to 10.70% → delivered 10.77% (= MISS)
Investor Presentation 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%