SRG Housing Finance Limited — PPTs, 31-01-2025: Investor Presentation

**Financial Highlights:** As of December 31, 2024, SRG Housing Finance reported an AUM of ₹707 Cr, up from ₹548.37 Cr in Q3 FY24. The company achieved a net profit of ₹5.74 Cr in Q3 FY25, with total income reaching ₹40.25 Cr, an increase from ₹32.21 Cr in Q3 FY24. Net Interest Income improved to ₹17.20 Cr, demonstrating solid financial health.

**Strategic Initiatives and Growth Drivers:** SRG focuses on small-ticket loans, predominantly serving rural borrowers, where 95% of the loan book is generated. The average ticket size reflects the company’s commitment to affordable housing, maintaining low loan-to-value ratios.

**Business Developments:** New approvals during the quarter totaled ₹111.44 Cr, indicating a robust growth trajectory. The company’s branches have expanded to 84 across seven states, further enhancing market penetration.

**Market Position and Competitive Advantage:** SRG’s unique positioning caters to underserved populations, leveraging technology for efficient processing and risk management. The borrower demographic shows a strong commitment to repayment, with high EMI payment rates through banking channels.

**Investor Implications:** Positive outlook with significant growth opportunities in the untapped rural housing finance market. Investors should watch closely as SRG Housing Finance continues to strengthen its financial metrics and market presence.