SRG Housing Finance Limited — PPTs, 13-11-2025: Investor Presentation

SRG Housing Finance reported strong performance for Q2 and H1 FY26. Asset Under Management (AUM) grew 33% year-on-year to ₹867 Cr. New loan approvals surged 104% YoY to ₹134 Cr in Q2, with disbursements climbing 85% to ₹117 Cr. Profit After Tax (PAT) increased 25% YoY to ₹8.25 Cr for Q2 and 21% to ₹15.03 Cr for H1. Gross NPA improved to 1.88% (from 1.96% YoY), while Net NPA was 0.64%. The company specializes in rural housing finance, with 94% of its loan book in rural areas and 77.5% for self-employed customers.

A key growth driver is the "SRG SRAJAN" digital platform, which streamlines loan processing for quick approvals (<3 days) and fast disbursals. Strategic expansion has increased their network to 93 branches across 7 states, boosting reach into underserved segments.

The company strengthened its financial position by issuing ₹50 Cr in Non-Convertible Debentures during Q2. It also successfully raised significant equity capital through preferential issues of ₹25.94 Cr in Jul 2024 and ₹49.93 Cr in Mar 2025. Earnings Per Share (EPS) for Q2 stood at ₹5.26.