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

SRG Housing Finance delivered strong performance, with Assets Under Management (AUM) reaching ₹1,042 Cr and Profit After Tax (PAT) at ₹33 Cr in the last fiscal year, both growing ~37% YoY. The company focuses on underserved rural and semi-urban markets, with 94% of its loan book in rural areas and 79% self-employed customers. Asset quality is healthy, with GNPA at 1.77% and NNPA at 0.65%.

Strategic growth drivers include geographic expansion into new southern markets and strengthening presence in Rajasthan and Gujarat. SRG is also boosting digital operations with its 'SRG SRAJAN' program for improved efficiency and risk management.

Recent achievements include an "A- (Stable)" credit rating upgrade from Acuité, potentially lowering funding costs, and expanding its branch network to 96 outlets.

Key financial metrics for the last fiscal year show Diluted EPS at ₹20.69, ROAA at 3.18%, and ROAE at 11.59%.

Management is optimistic, targeting AUM between ₹1,300-1,500 Cr by the next fiscal year, supported by planned disbursements of about ₹600 Cr, reflecting a continued commitment to empowering homeownership in India.