ALFA Finder| 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
- ₹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 →SRG Housing Finance Legal & Regulatory
SRG Housing Finance will miss the 14 November 2026 deadline for its September 2026 half-year results. The delay is due to a forensic audit initiated by the National Housing Bank.
SRG Housing Finance Debt & Borrowing: ₹0.76 Cr
SRG Housing Finance redeemed ₹0.76 Crore of its NCDs in a monthly partial redemption. Outstanding balance stands at ₹39.39 Crore.
- Value
- ₹0.76 Cr
SRG Housing Finance Debt & Borrowing: ₹0.35 Cr
SRG Housing Finance paid Rs.0.35 Crore monthly interest on its NCDs on the due date, 29 October 2026. No delay or non-payment was reported.
- Value
- ₹0.35 Cr
SRG Housing Finance Debt & Borrowing: ₹1.14 Cr
SRG Housing Finance paid monthly interest of ₹38 Lakh and redeemed ₹76 Lakh principal on its listed NCDs (INE559N07058). Total debt servicing outflow was approximately ₹1.14 Crore.
- Value
- ₹1.14 Cr
SRG Housing Finance Debt & Borrowing: ₹0.39 Cr
SRG Housing Finance redeemed Rs.0.39 Crore of INE559N07066 NCDs under monthly redemption on 23 October 2026. Outstanding principal stands at Rs.21.27 Crore.
- Value
- ₹0.39 Cr
SRG Housing Finance Debt & Borrowing: ₹0.19 Cr
SRG Housing Finance paid Rs.0.19 Crore of monthly interest on its non-convertible debentures on 23-Oct-2026. No delay or non-payment was reported.
- Value
- ₹0.19 Cr