SRG Housing Finance Limited — Results, 30-04-2025: Integrated Filing- Financial

SRG Housing Finance reported total revenue from operations of ₹4,275.23 crore, reflecting a YoY growth of 14.1%. The main driver was interest income, which reached ₹3,696.23 crore, supported by robust loan disbursements enhancing demand in the housing finance sector.

The company posted a net profit of ₹619.21 crore, resulting in an EPS of ₹4.43. Profit margins remained stable, with improvements attributed to effective cost control in finance and employee expenses.

Total operational expenses increased to ₹3,582.29 crore, mainly due to rising finance costs of ₹1,659.50 crore and employee benefits expenses of ₹1,098.45 crore. While these pressures pose challenges to margin resilience, operational efficiency is improving as the company manages cost growth effectively.

Total assets rose to ₹86,917.59 crore from ₹67,035.62 crore, reflecting higher loans and cash reserves. Liquidity remains strong, with cash and equivalents at ₹3,147.14 crore, though debt levels increased to ₹58,432.56 crore, indicating heightened leverage to support growth.

Management plans to expand market presence and enhance shareholder value through potential equity issuances. A focus on digital transformation and improved service delivery is expected.

Overall trends indicate robust growth potential, but investors should be mindful of rising operational costs, which may affect margins moving forward.