SRG Housing Finance (SRGHFL) — Annual Report

📢 Key Event
SRG Housing Finance Ltd's FY26 annual report highlights 37% AUM growth to ₹1,042 crores and 33% PAT growth to ₹32.49 crores.

🔄 What Changed
37% YoY AUM growth to ₹1,042 crores; 33% PAT growth to ₹32.49 crores; credit rating upgraded to A- Stable; capital adequacy at 38.62%; branch network expanded to 96; Gross NPA at 1.77%; Net NPA at 0.65%.

🔮 What's Next
Management projects AUM growth to ₹1,300-1,500 crores by FY27, driven by sector-leading growth above the 14-16% industry average.

💡 Investor Takeaway
The company is scaling its rural-focused lending model with strong profitability and asset quality, but geographic concentration in Rajasthan/Gujarat poses a key risk for future growth.

SRG Housing Finance Ltd's FY26 annual report shows robust growth with AUM rising 37% to ₹1,042 crores, PAT up 33% to ₹32.49 crores, and net interest income at ₹98.26 crores. The company expanded to 96 branches across 6 states, upgraded its credit rating to A- Stable, and strengthened capital adequacy at 38.62%. Key growth drivers include rural expansion, technology adoption via Srajan platform, and focus on underserved borrowers. Risks include geographic concentration in Rajasthan/Gujarat (77% of AUM) and cost-to-income ratio pressure during expansion. Management projects AUM growth to ₹1,300-1,500 crores by FY27 while maintaining asset quality with Gross NPA at 1.77% and Net NPA at 0.65%.

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About SRG Housing Finance Ltd (SRGHFL)

Financial Services · Finance · Listed on BSE

Market Cap: ₹397.05 Cr P/E: 11.6 ROE: 12.9% ROCE: 15.0%

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🔥 Also filed on 2 September 2026

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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