SRG Housing Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 47.8%
- Solid return on assets for a lender - ROA of 3.2%
- Asset quality is healthy - gross NPA of just 1.8%
- Company has delivered good sales growth of 16.3% CAGR over last 5 years
CONS
- Promoter holding has decreased over last 2 years: -8.5pp
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 20.6%
- Operating margins have contracted to 63.2% from 73.5%
- Company has delivered a poor profit growth of 6.3% over past five years
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 84.16 | 673.24 | 70124.93 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2256.30 | 31.65 | 53390.90 | 0.49 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 172.70 | 8.12 | 34572.81 | 3.50 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| LICHSGFIN | 562.55 | 5.39 | 30943.79 | 1.78 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| PNBHOUSING | 1175.00 | 13.24 | 30644.46 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| AADHARHFC | 456.35 | 17.53 | 19997.56 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 147.45 | 0.00 | 17171.39 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| APTUS | 249.30 | 12.68 | 12485.70 | 1.81 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| HOMEFIRST | 1184.65 | 21.31 | 12386.64 | 0.44 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| CANFINHOME | 781.05 | 9.21 | 10400.04 | 1.92 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1275.10 | 20.61 | 10110.82 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| SRGHFL | 152.35 | 7.00 | 239.31 | 0.00 | 8.47 | 24.96 | 53.95 | 37.70 | 12.29 | 64.99 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 25 | 28 | 30 | 33 | 32 | 34 | 37 | 41 | 39 | 45 | 48 | 55 | 54 | |
| 10 | 10 | 11 | 14 | 12 | 12 | 15 | 17 | 17 | 19 | 19 | 22 | 44 | |
| Operating Profit | 17 | 20 | 21 | 23 | 22 | 24 | 24 | 26 | 25 | 29 | 31 | 36 | 35 |
| OPM % | 68.69% | 70.99% | 70.61% | 69.30% | 69.57% | 70.21% | 65.04% | 63.87% | 63.96% | 65.21% | 65.69% | 64.51% | 64.99% |
| Other Income | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 0 |
| Interest | 11 | 13 | 13 | 14 | 14 | 15 | 17 | 17 | 17 | 18 | 20 | 23 | 24 |
| Depreciation | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 1 |
| 5 | 7 | 7 | 8 | 7 | 8 | 7 | 8 | 8 | 10 | 10 | 12 | 10 | |
| Tax % | 15.55% | 20.18% | 20.60% | 19.97% | 14.83% | 20.77% | 19.94% | 19.27% | 13.63% | 20.06% | 20.98% | 20.19% | 15.37% |
| Net Profit | 4 | 5 | 5 | 6 | 6 | 7 | 6 | 6 | 7 | 8 | 8 | 9 | 8 |
| 3 | 4 | 4 | 5 | 4 | 5 | 4 | 4 | 4 | 5 | 5 | 6 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 10 | 15 | 34 | 58 | 71 | 74 | 79 | 91 | 125 | 152 | 202 | |
| 3 | 4 | 11 | 15 | 18 | 20 | 23 | 32 | 44 | 56 | 103 | |
| Operating Profit | 7 | 10 | 23 | 43 | 54 | 54 | 57 | 59 | 81 | 96 | 98 |
| OPM % | 67.13% | 69.23% | 66.51% | 74.10% | 75.31% | 72.81% | 71.52% | 64.66% | 64.76% | 63.17% | 48.73% |
| 0 | 0 | 0 | 0 | 1 | 3 | 2 | 3 | 2 | 3 | 2 | |
| Interest | 4 | 6 | 11 | 23 | 30 | 31 | 31 | 37 | 51 | 62 | 85 |
| Depreciation | 0 | 0 | 0 | 1 | 2 | 2 | 2 | 3 | 6 | 7 | 6 |
| Profit before Tax | 3 | 4 | 11 | 19 | 22 | 24 | 26 | 21 | 26 | 30 | 42 |
| Tax % | 32.58% | 32.77% | 27.35% | 24.77% | 20.10% | 20.78% | 20.40% | 18.94% | 19.31% | 18.84% | 19.21% |
| Net Profit | 2 | 3 | 8 | 15 | 18 | 19 | 20 | 17 | 21 | 24 | 34 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 14.49 | 15.63 | 12.95 | 15.83 | 15.56 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 36%
- 5 Years:
- 16%
- 3 Years:
- 24%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 32%
- 5 Years:
- 6%
- 3 Years:
- 6%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -14%
- 1 Year:
- -48%
RETURN ON EQUITY
- 10 Years:
- 18%
- 5 Years:
- 16%
- 3 Years:
- 13%
- Last Year:
- 12%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 11 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 16 |
| 5 | 21 | 29 | 44 | 62 | 81 | 101 | 118 | 145 | 247 | |
| 32 | 75 | 167 | 255 | 246 | 286 | 287 | 357 | 503 | 595 | |
| Trade Payables | 0 | 1 | 1 | 1 | 0 | 3 | 3 | 3 | 4 | 6 |
| 11 | 3 | 8 | 7 | 8 | 8 | 11 | 13 | 1 | -1 | |
| Total Liabilities | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 504 | 665 | 863 |
| 1 | 1 | 1 | 2 | 4 | 3 | 7 | 24 | 27 | 24 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 0 | 0 | 0 |
| 1 | 0 | 0 | 1 | 9 | 26 | 27 | 12 | 9 | 36 | |
| Cash & Bank | 2 | 22 | 6 | 28 | 33 | 27 | 25 | 23 | 5 | 18 |
| 56 | 89 | 210 | 289 | 282 | 333 | 351 | 444 | 625 | 785 | |
| Total Assets | 59 | 112 | 218 | 320 | 328 | 391 | 415 | 504 | 665 | 863 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -12 | -23 | -87 | 21 | 29 | -22 | 9 | -78 | -140 | -131 | |
| Cash from Investing | -2 | 0 | -1 | -1 | -9 | -19 | -6 | 9 | -1 | -31 |
| Cash from Financing | 16 | 44 | 74 | 89 | -9 | 40 | 1 | 73 | 139 | 173 |
| 2 | 20 | -16 | 21 | 5 | -6 | -2 | -1 | -2 | 10 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - SRG Housing Finance Limited has informed the Exchange about Credit Rating
2026-09-10 - SRG Housing Finance Limited has informed the Exchange about Rumour Verification - Regulation 30(11)
2026-09-03 - SRG Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication regarding 27th Annual General Meeting to be held on Monday, 28th September, 2026.
2026-09-01 - SRG Housing Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026 along with Annual Report For The Financial Year 2025-26.
2026-08-26 - SRG Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication with Regards to Pre-Dispatch of Notice of AGM to be held on 28th September, 2026 through Video Conferencing/Other Audio-visual Means.
2026-08-21 - SRG Housing Finance Limited has informed the Exchange about General Updates Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
2026-08-11 - SRG Housing Finance Limited has informed the Exchange about Investor Presentation
2026-08-06 - SRG Housing Finance Limited has informed the Exchange about Copies of Newspaper Clippings of Unaudited Financial Results for the Quarter ended June 30, 2026
2026-08-05 - SRG Housing Finance Limited has submitted to the Exchange, the Un-audited financial results for the period ended Jun 30, 2026.
News
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SRG Housing Finance Ltd.
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