SRG Housing Finance Limited — PPTs, 07-02-2026: Investor Presentation

Here's the concise, retail-friendly summary:

1. **Business Performance:** SRG Housing Finance, a rural and underserved housing specialist, reported strong Q3FY26 growth. AUM grew 33.4% YoY to ₹944 Cr, driven by small-ticket loans to its largely non-salaried and rural customer base via 95 branches.

2. **Growth Drivers or Strategy:** Its "SRG SRAJAN" digital platform drives efficiency. Strategies include deep rural penetration, tailored credit policies, and rapid 15-day loan processing for new-to-credit borrowers.

3. **Recent Developments:** SRG expanded to 95 branches. Capital bolstered by recent fundraises, including ₹26 Cr from Q3FY26 NCDs and prior equity issues.

4. **Key Financial Metrics:** Q3FY26 Profit After Tax (PAT) surged 43% YoY to ₹8.21 Cr. New Approvals grew 17% to ₹131 Cr; Disbursements rose 18% to ₹107 Cr. Asset quality is strong: Gross NPA 1.83%, Net NPA 0.68%. NIM at 2.68%.

5. **Management Commentary / Outlook:** The company aims to simplify finance for underserved segments via its robust framework and digital tools. Consistent AUM and profit growth, with healthy asset quality, highlight an effective market strategy.