Srg Housing Finance Ltd. · NSE:SRGHFL
Srg Housing Finance — Q3 FY26 Earnings Presentation
27 slides from Srg Housing Finance's earnings presentation, Feb 7, 2026
Slide 1: Exchange filing cover letter: Investor Presentation Q3 & 9M FY26
Date: February 07, 2026 To, National Stock Exchange of India Ltd BSE Limited Exchange Plaza, C-1, Block G, 1 st Floor, P.J. Towers, Bandra Kurla Complex, Dalal Street, Mumbai-400051 Mumbai-400001 Scrip Symbol- SRGHFL Scrip Code – 534680 Dear Sir, Subject: Investor Presentation- Q3 & 9M FY26 Pursuant
Slide 2: SRG Housing Finance Limited Investor Presentation Q3 & 9M FY26
SRG HOUSING FINANCE LIMITED INVESTOR PRESENTATION Q3 & 9M FY26
Slide 3: Who We Are
WHO WE ARE Expert in Rural Housing Finance, Solving the problem of Housing Loans for New-to-Credit, Underserved & Unorganized population while simplifying access to finance for all Best in class NIM 2.68% in Q3FY26 Focused on small ticket loans (ATL: less than Rs 12 lacs) and low LTV (less than 50%)
Slide 4: Our Journey
Incorporated as Vitalise Finlease Pvt Ltd & 1999 subsequently changed the name to SRG Housing 2018 Rating BBB in March 2018 by Brickwork Finance Pvt Ltd. 1st company in Rajasthan to receive NHB Launched business process reengineering 2002 license. Converted into public company 2019 project, “SRG SRA
Slide 5: Experienced Board
Mr. Suresh K Porwal Mr. Vinod Kumar Jain Non-Executive, Managing Director (Promoter) Independent Director 25 Years + Experience 35 Years + Experience Mrs. Seema Jain Mrs. Krati Jain Non-Executive, Non-Executive, Non-Independent Director Independent Director EXPERIENCED 21 Years + Experience 10 Years
Slide 6: Strong Management (1/2)
Mr. Archis Jain Chief Executive Officer Mr. Ashok Modi Young Achiever of the Year at the Chief Financial Officer ABP News BFSI and Most Admired Prior doing practicing as CA BFSI Professional in 2022. 27 Years + Experience 8 Years + Experience STRONG Mr. Shubham Katta Mrs. Divya Kothari MANAGEMENT He
Slide 7: Strong Management (2/2)
Mr. Sanjay Vaishy National Collection Manager Advance Management Programme, Banking and Finance (IIBF) 22 years + Experience Mr. Georgie Alexander National credit manager- Vice president Prior associated with Muthoot Fincorp 15 Years + Experience Mr. Praphull Dwivedi Head Programme & Technology- Vic
Slide 8: Why Borrower Prefer SRG
Quick sanction and disbursement process (TAT of 15 days) WHY BORROWER PREFER SRG Prompt response and quick solutions for financial assistance In-depth rural penetration & localized approach Simple documentation process Preferred partner to help fulfil dream in affordable housing INVESTOR PRESENTATIO
Slide 9: Deeper Credit Adoption in Un-organised Sector in India
DEEPER CREDIT ADOPTION IN UN-ORGANISED SECTOR IN INDIA Location based Unique Collateral & Credit Policy Collection Screening Robust Collection Infrastructure Monitoring Continuous Portfolio Monitoring Disbursal Minimal Documentation & Fast Processing New to Credit, Credit Score Low, Informal Income,
Slide 10: SRG Unique Positioning in Market
Deeper Penetration In Rural Village Areas through wider Geo Limits of 50 Km from Hub and 35 Km from Spoke Branches New to Credit SRG UNIQUE Justified Credit Bureau Calls based on Merits of Profile POSITIONING IN MARKET Unique risk management Based on Population, Segmentation, Product Mix Consumer Ta
Slide 11: Customer Profile
CUSTOMER PROFILE Milkman Labourer Repair Shop owner Trader/Whole seller Saree Shop owner Tea Stall owner Teacher Entrepreneur Shopkeeper Vegetable vendor Barber INVESTOR PRESENTATION 10
Slide 12: Loan Origination Process
Application Real Time Status Process and Approval LOAN 100% Online Login Real time by RM Status ORIGINATION 15 Min Application Time to Complete Quick Approval (<3 days approvals) PROCESS Hassle Free Risk Based Process Pricing Fast Geo-based Disbursal Collateral Risk Based Pricing No Hidden 15% to 26
Slide 13: Powering the Digital Ecosystem with SRG Srajan
POWERING THE DIGITAL ECOSYSTEM WITH SRG SRAJAN Web and Mobile Application Combination LOS (Loan Organization) LMS (Loan Management) COLLECTION (Loan Collection) ▪ Lead Generation & Management ▪ EMI Collection through auto-debit ▪ DPD Bucketing ▪ Customer Application Form ▪ Repayment Monitoring ▪ Poo
Slide 14: Collection Framework
COLLECTION FRAMEWORK DPD- 31 TO 90 Days On field follow-up by Collection DPD DayCollection 1 DPD- 90+ Days 1st DPD Day 1 1-30 DPD- 1 to 30 1st 31-90 Executive Overdue Visit cases PNPA cases Manager to reported Legal 90+ SARFAESI Proceedings initiation NI Act Notice u/s Overdue cases reported by Days
Slide 15: Our Network
OUR NETWORK Rajasthan (34) 1 Branch Banswara, Sagwara, Salumber, Jodhpur, Chittorgarh, Sumerpur, Bijainagar, Udaipur, Jaipur, Sirohi, Rajsamand, Pali, Kishangarh, Kota, Bhilwara, Beawar, Shahpura (Bhilwara), Shahpura (Jaipur), Begun, Jaitaran, Kekri, Gangapur (Bhilwara), 34 Partapur, Sojat, Dhariyaw
Slide 16: Key Highlights for Q3FY26
₹944cr 8.79% AUM as on Spread earned in 31st December 2025 Q3FY26 ₹107cr ₹183.31 KEY HIGHLIGHTS Disbursement during the Book Value per share as on FOR Q3FY26 quarter 31st December 2025 ₹131cr ₹288cr New Approvals during the Shareholders Funds as on quarter 31st December 2025 INVESTOR PRESENTATION 15
Slide 17: Quarterly Income Statement
QUARTERLY INCOME STATEMENT Sr .No. Particulars (Rs. Crore) Q3FY26 Q3FY25 9MFY26 9MFY25 1 New Approvals 130.60 111.44 345.34 223.36 2 Disbursements 107.34 90.95 303.93 198.48 3 Outstanding Loan Book 943.93 707.47 943.93 707.47 4 Interest Income 44.34 33.71 122.97 97.41 5 Fees & Other Income 6.91 6.54
Slide 18: Key Performance Indicator (1/3)
KEY PERFORMANCE INDICATOR (1/3) New Approvals (Rs. Crore) Disbursements (Rs. Crore) AUM (Rs. Crore) 133.59 943.93 130.60 866.64 111.44 115.15 116.59 759.36 795.39 106.48 107.34 707.47 90.95 81.15 80.00 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26
Slide 19: Key Performance Indicator (2/3)
KEY PERFORMANCE INDICATOR (2/3) Loan Book Break Up – Product Category (%) Loan Book Break Up – Customer Profile (%) 27.98 26.94 27.05 30.15 29.23 25.23 25.50 25.62 22.50 21.43 72.02 73.06 72.95 69.85 70.77 74.77 74.50 74.38 77.50 78.57 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q
Slide 20: Key Performance Indicator (3/3)
KEY PERFORMANCE INDICATOR (3/3) Return Ratios (%) Capital Adequacy Cost to Income Ratio (%) Net Interest Margin (%) 3.00% 12.00% 13.00 2.90% 2.80% 47.23 46.92 2.62% 2.54% 12.00 42.27 10.00% 11.04% 11.14% 11.07% 10.99% 11.01% 39.41 38.60 67.47 67.48 11.00 65.40 8.00% 10.00 64.22 64.10 9.81% 9.48% 9.0
Slide 21: Customer Profile (Q3FY26)
CUSTOMER PROFILE (Q3FY26) Product Housing Loan Occupation Construction Salaried LAP 21.43% 33.65% 29.23% Housing Repair & Self Employed 70.77% Renovation 78.57% 66.35% Demography State Andhra Pradesh Urban 3.64% 6.13% Maharashtra Karnataka 9.38% 2.83% Gujarat 39.33% Rajasthan Rural 38.37% 93.87% Mad
Slide 22: Gross NPA Details (Q3FY26)
GROSS NPA DETAILS (Q3FY26) Product Wise Segment Wise State Wise* 2.72% 2.50% 1.98% 1.93% 1.77% 1.54% 1.55% 0.16% Housing LAP Self Employed Salaried Rajasthan Madhya Pradesh Gujarat Maharashtra * As of December 31, 2025, the GNPA in Karnataka and Andhra Pradesh is Nil. INVESTOR PRESENTATION 21
Slide 23: AUM & Profitability Growth Overview
AUM & PROFITABILITY GROWTH OVERVIEW AUM (Rs. Crore) Grew at a Disbursement CAGR of ~26% 943.93 (from FY17 to FY25) 759.36 601.59 438.36 325.40 340.01 280.25 274.24 200.28 81.83 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 9MFY26 PAT (Rs. Crore) Grew at a CAGR of ~32% (from FY17 to FY25) 24.39 23.24
Slide 24: Liquidity Position & Fund-Raising Overview
LIQUIDITY POSITION & FUND-RAISING OVERVIEW Extract of Liquidity as on 31st December, 2025 Particulars Amount (Rs. Crore) Cash and Bank Balance* 14.13 Investment in Bonds, Mutual Fund, Shares and FD 91.3 Unutilized CC and OD Limit 3.50 Undrawn Sanctions 40.00 TOTAL 148.93 * Cash and Bank Balance does
Slide 25: Borrowings
National Public Sector Banks BORROWINGS Housing Bank SBI, Union Bank of India, UCO Bank, Punjab National Bank, Indian Overseas Bank Banking Relationships Borrowing Mix (%) Private Sector Banks NBFC NCD DCB Bank, South Indian Bank, IDFC First Bank, Federal Bajaj Finance Ltd, Hinduja Housing Finance,
Slide 26: Shareholding Pattern & Recent Fund Raise
Share Holding Pattern (as on 31st December, 2025) SHAREHOLDING PATTERN & RECENT FUND RAISE 59.06% Promoter and Promoter Group Having listed on BSE in 2012, listed on NSE exchange as well on 13.18% 21 Aug 2023. Bodies Corporate, HUF, NRI & LLP Equity Capital increased by Rs.10 Crores on conversion of
Slide 27: Thank You
SRG Housing Finance Ltd Head Office 12, SRG House, opp Paras Health Hospital, Shobhagpura, Udaipur Rajasthan 313001, India CIN No:L65922RJ1999PLC015440 Tel: +91-294-2561882 / 2412609 Email: info@srghousing.com www.srghousing.com THANK Corporate Office 307, 3 rd Floor, Hubtown Solaris, N.S. Phadke Ma