Srg Housing Finance Ltd. · NSE:SRGHFL
Srg Housing Finance — Q1 FY2027 Earnings Presentation
27 slides from Srg Housing Finance's earnings presentation, Aug 11, 2026
Slide 1: Exchange filing cover letter
Date: August 11, 2026 To, To, National Stock Exchange of India Ltd BSE Limited Exchange Plaza, C-1, Block G, 1st Floor, P.J. Towers, Bandra Kurla Complex, Dalal Street, Mumbai-400051 Mumbai-400001 Scrip Symbol- SRGHFL Scrip Code- 534680 Subject: Earnings Presentation – Q1FY27 Dear Sir, Pursuant to R
Slide 2: Earnings Presentation Q1-FY27
Earnings Presentation Q1-FY27 1
Slide 3: Q1-FY27 Snapshot
Q1-FY27 Snapshot INR 10,764 Mn INR 672 Mn 25,000+ 7 96 AUM Disbursement No. of Customers States/UT Branches Long term Rating: 38 10.21% 10.77% 1,000+ NIM No. of Employees “A- (Stable)” by No of Lenders Borrowing Cost ACUITE 0.63% 39.21% 2.83% 11.25% 1.73% NNPA Capital Adequacy ROAE GNPA ROAA Ratio 2
Slide 4: Strong Growth Trajectory
Strong Growth Trajectory AUM (INR Mn) ~36% CAGR 10,422 7,594 6,016 4,384 3,254 3,400 2,803 2,742 2,003 387 533 818 264 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 PAT (INR Mn) ~32% CAGR 325 244 203 211 180 188 171 146 96 12 15 19 27 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 F
Slide 5: Company Overview
COMPANY OVERVIEW SATIN CREDITCARE NETWORK LTD. 4
Slide 6: Company Overview
Company Overview AUM and Total Net Income (INR Mn) • Established in 1999, SRG Housing Finance Limited (SRG) is among the early NHB-registered HFCs in Rajasthan focused on underserved rural and semi- urban borrowers. 10,422 10,764 7,594 • SRG offers diversified affordable housing products including h
Slide 7: From Underserved to Empowered: Impact of SRG
From Underserved to Empowered: Impact of SRG Vision: To be the trusted partner IMPACTin empowering CREATED homeownership in rural and semi-urban areas; creating a better future through accessible housing finance. Mission: To be a catalyst for homeownership by delivering innovative and customer-focus
Slide 8: Product Portfolio
Product Portfolio HOUSING LOANS LOAN AGAINST PROPERTY (LAP) AUM INR 7,854 Mn INR 2,911 Mn Rural self-employed — New to Rural self-employed borrowers who own residential Target Customers credit, underserved and unorganized or commercial property and need credit for business borrowers. expansion, work
Slide 9: Geographical Presence
Geographical Presence 96 Delhi No. of Branches Rajasthan Madhya Gujarat Pradesh 6+1 Maharashtra States + UT Andhra Pradesh Karnataka GUJARAT (25) MAHARASHTRA (13) KARNATAKA (6) MADHYA PRADESH (13) RAJASTHAN (35) • Ahmedabad • Mehsana • Ahmednagar • Solapur • Bangalore • Alot • Asind • Jaipur • Sabla
Slide 10: Diversified Borrowing Profile
Diversified Borrowing Profile Public Sector Banks Private Sector & Other Banks Product wise Borrowing Mix (%) NHB Refinance, NCDs, 2% 7% Secured Term Loans, 91% NBFC & Financial Institutions Lender wise Borrowing Mix (%) NCDs, 7% Financial Institutions Banks & / NBFC , NHB, 58% 35% Supported by a di
Slide 11: Healthy Asset-Liability Management Profile
Healthy Asset-Liability Management Profile Extract of Liquidity as on 30th June, 2026 Particulars Amount (INR Mn) Cash and Bank Balance* 66 Investment in Bonds, Mutual Fund, Shares and FD 824 Unutilized CC and OD Limit 35 Undrawn Sanctions - TOTAL 925 * Cash and Bank Balance does not include FDR amo
Slide 12: Q1-FY27 Performance
Q1-FY27 PERFORMANCE SATIN CREDITCARE NETWORK LTD. 11
Slide 13: Q1-FY27 Key Performance Indicators
Q1-FY27 Key Performance Indicators Particulars Q1-FY27 Q1-FY26 Y-o-Y Q4-FY26 Q-o-Q AUM (INR Mn) 10,764 7,954 35.3% 10,422 3.3% Disbursement (INR Mn) 672 800 (16.0)% 1,396 (51.9)% New Approvals (INR Mn) 585 812 (28.0)% 1,713 (65.8)% NII (INR Mn) 270 204 32.4% 280 (3.6)% PAT (INR Mn) 85 68 25.0% 93 (8
Slide 14: Quarterly Income Statement
Quarterly Income Statement Particulars (INR Mn) Q1-FY27 Q1-FY26 Y-o-Y Q4-FY26 Q-o-Q Interest Income 509 371 37.2% 507 0.4% Less: Finance Cost 239 167 43.1% 227 5.3% Net Interest Income 270 204 32.4% 280 (3.6)% Fee & Other Income 31 56 (44.6)% 66 (53.0)% Total Net Income 301 260 15.8% 346 (13.0)% Ope
Slide 15: Operational Highlights
Operational Highlights • Assets under management stood at INR 10,764 Mn in Q1-FY27 with YoY growth of 35%, reflecting strong business momentum and healthy portfolio expansion. • Improved credit profile following the ACUITE A- (Stable) rating upgrade enabled a 26 bps YoY reduction in borrowing costs
Slide 16: Key Performance Metrics
Key Performance Metrics AUM (INR Mn) Disbursement (INR Mn) New Approvals (INR Mn) 1,396 1,713 1,166 10,764 1,073 1,336 1,306 10,422 8,666 9,439 7,954 800 672 812 585 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q1-FY27 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q1-FY27 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q1-FY27 NII (INR Mn) P
Slide 17: Key Operational Metrics
Key Operational Metrics Average Ticket Size (INR Lakhs) Average Tenure ( Years) Average LTV 50.67% 52.19% 15.44 10.50 13.34 13.19 10.17 10.87 11.97 9.85 48.20% 9.73 45.50% 46.00% 9.18 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q1-FY27 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q1-FY27 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q1-F
Slide 18: Key Profitability and Asset Quality Metrics
Key Profitability and Asset Quality Metrics Margin Analysis* (%) Cost to Income Ratio (%) OPEX Ratio* (%) 21.86% 20.52% 19.92% 20.40% 19.23% 67.48% 66.47% 11.03% 11.04% 11.01% 10.88% 10.77% 9.10% 9.25% 7.64% 7.68% 64.22% 64.10% 6.69% 10.48% 11.24% 11.04% 11.28% 10.21% 63.14% Q1-FY26 Q2-FY26 Q3-FY26
Slide 19: Stage-wise Assets & Provisions Overview
Stage-wise Assets & Provisions Overview Jun-26 Mar-26 Jun-25 Jun-26 Mar-26 Jun-25 Particulars (INR Mn) (INR Mn) (INR Mn) (INR Mn) % to GA % to GA % to GA Gross Assets 10,764 10,422 7,954 100.00% 100.00% 100.00% Stage 1 9,983 9,697 7,366 92.74% 93.05% 92.61% Stage 2 595 540 441 5.53% 5.18% 5.54% Stag
Slide 20: Diversified Portfolio Driving Healthy Asset Quality
Diversified Portfolio Driving Healthy Asset Quality State Wise Occupation Wise AUM (INR % of AUM % of Particulars GNPA Particulars GNPA Mn) AUM (INR Mn) AUM Self Employed 8,009 74.40% 1.81% Gujarat 4,394 40.82% 1.37% Salaried 2,756 25.60% 1.49% Rajasthan 3,891 36.15% 2.72% Total 10,764 100.00% Mahar
Slide 21: Financial Overview
FINANCIAL OVERVIEW SATIN CREDITCARE NETWORK LTD. 20
Slide 22: Historical Income Statement
Historical Income Statement Particulars (INR Mn) FY24 FY25 FY26 Q1-FY27 Interest Income 1,095 1,371 1,759 509 Less: Finance Cost 508 620 777 239 Net Interest Income 587 751 982 270 Fee & Other Income 172 174 238 31 Total Net Income 759 925 1,220 301 Operating Expenses 498 624 819 201 Profit Before T
Slide 23: Historical Balance Sheet
Historical Balance Sheet Particulars (INR Mn) FY24 FY25 FY26 Financial Assets Cash and Cash Equivalents 24 155 68 Bank Balance other than cash and cash equivalents 188 160 114 Loans 5,899 7,470 10,271 Investments 88 362 732 Other Financial Assets 120 152 178 Total Financial Assets 6,319 8,299 11,363
Slide 24: Historical Performance Metrics
Historical Performance Metrics AUM (INR Mn) Disbursement (INR Mn) Total Net Income (INR Mn) 10,422 4,435 1,220 7,594 925 2,836 3,050 759 6,016 FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 NII (INR Mn) PAT (INR Mn) Net worth (INR Mn) 982 325 2,969 2,640 751 244 587 211 1,597 FY24 FY25 FY26 FY24 FY25
Slide 25: Historical Profitability and Asset Quality Metrics
Historical Profitability and Asset Quality Metrics Margin Analysis (%) OPEX Ratio (%) Cost to Income Ratio (%) 65.77% 21.06% 20.15% 19.53% 8.17% 64.56% 11.29% 11.03% 10.91% 7.90% 63.74% 7.71% 11.13% 11.14% 10.95% FY24 FY25 FY26 FY24 FY25 FY26 FY24 FY25 FY26 Gross Yield Cost of Borrowings NIM GNPA (%
Slide 26: Disclaimer
Disclaimer SRG Housing Finance Limited: This presentation and the accompanying slides (the “Presentation”), which have been prepared by SRG Housing Finance Limited (the “Company”), have been prepared solely for information purposes and do not constitute and should not be construed as, any offer, rec
Slide 27: Thank You
SRG HOUSING - I FINANCE LIMITED
SRG Housing Finance — Q1 FY2027 Earnings Presentation on 6ix