SRG Housing Finance Limited — PPTs, 11-08-2026: Investor Presentation

SRG Housing Finance delivered strong Q1FY27 results, with Assets Under Management (AUM) soaring 35% year-on-year to INR 1,076.4 Cr. Net Interest Income (NII) grew 32.4% to INR 27 Cr, while Profit After Tax (PAT) jumped 25% to INR 8.5 Cr. Diluted EPS also increased by 24.8% to INR 5.39.

The company maintains a sharp focus on underserved rural & semi-urban markets, with 94% of its loan book serving these areas. Its low-risk model, featuring small-ticket secured loans and an average Loan-to-Value (LTV) of ~52%, underpins its stable growth. An improved credit rating led to a 26 basis points reduction in borrowing costs to 10.77%.

Operational efficiency is high, with 97% of EMI collections via automated banking. Asset quality remains robust, with Gross Non-Performing Assets (GNPA) improving to 1.73% from 1.85% YoY. Average ticket size expanded 21% to INR 13.19 Lakhs, driven by market expansion.

SRG is committed to empowering homeownership in rural and semi-urban regions through deep underwriting, localized execution, and disciplined risk management, aiming for a sustainable and scalable finance franchise.