Srg Housing Finance Ltd. · NSE:SRGHFL
Srg Housing Finance — Q4 FY2026 Earnings Presentation
29 slides from Srg Housing Finance's earnings presentation, May 12, 2026
Slide 1: Exchange filing cover letter – Investor Presentation Q4FY26
Date: May 12, 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: Investor Presentation – Q4FY26 Dear Sir, Pursuant to Regu
Slide 2: Earnings Presentation Q4-FY26/FY26
Earnings Presentation Q4-FY26/FY26 1
Slide 3: FY26 Snapshot
FY26 Snapshot INR 10,422 Mn INR 4,435 Mn 25,000+ 7 96 AUM Disbursement No. of Customers States/UT Branches Long term Rating: 36 10.91% 10.95% 980+ NIM No. of Employees “A-(Stable)” by No of Lenders Borrowing Cost ACUITE 0.65% 38.62% 3.18% 11.59% 1.77% 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 7,594 • SRG offers diversified affordable housing products including home pur
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 7,502 Mn INR 2,920 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 Banks Product wise Borrowing Mix (%) NHB Refinance, NCDs, 2% 8% Secured Term Loans, 90% NBFC & Financial Institutions Lender wise Borrowing Mix (%) NCDs, 8% Financial Banks & Institutions NHB, 53% / NBFC , 39% Supported by a diversifie
Slide 11: Healthy Asset-Liability Management Profile
Healthy Asset-Liability Management Profile Extract of Liquidity as on 31st March, 2026 Particulars Amount (INR Mn) Cash and Bank Balance* 68 Investment in Bonds, Mutual Fund, Shares and FD 729 Unutilized CC and OD Limit 35 Undrawn Sanctions 615 TOTAL 1,447 * Cash and Bank Balance does not include FD
Slide 12: Q4-FY26/FY26 Performance
Q4-FY26/FY26 PERFORMANCE SATIN CREDITCARE NETWORK LTD. 11
Slide 13: Q4-FY26 Key Performance Indicators
Q4-FY26 Key Performance Indicators Particulars Q4-FY26 Q4-FY25 Y-o-Y Q3-FY26 Q-o-Q AUM (INR Mn) 10,422 7,594 37.2% 9,439 10.4% Disbursement (INR Mn) 1,396 1,065 31.1% 1,073 30.1% New Approvals (INR Mn) 1,713 1,152 48.7% 1,306 31.2% NII (INR Mn) 280 210 33.3% 250 12.0% PAT (INR Mn) 93 62 50.0% 82 13.
Slide 14: Quarterly Income Statement
Quarterly Income Statement Particulars (INR Mn) Q4-FY26 Q4-FY25 Y-o-Y Q3-FY26 Q-o-Q Interest Income 507 376 34.8% 451 12.4% Less: Finance Cost 227 166 36.7% 201 12.9% Net Interest Income 280 210 33.3% 250 12.0% Fee & Other Income 66 59 11.9% 61 8.2% Total Net Income 346 269 28.6% 311 11.3% Operating
Slide 15: FY26 Key Performance Indicators
FY26 Key Performance Indicators Particulars FY26 FY25 Y-o-Y AUM (INR Mn) 10,422 7,594 37.2% Disbursement (INR Mn) 4,435 3,050 45.4% New Approvals (INR Mn) 5,166 3,385 52.6% NII (INR Mn) 983 751 30.9% PAT (INR Mn) 325 244 33.2% Gross Yield (%) 19.53% 20.15% (62) Bps Cost of Borrowing (%) 10.95% 11.14
Slide 16: Annual Income Statement
Annual Income Statement Particulars (INR Mn) FY26 FY25 Y-o-Y Interest Income 1,759 1,371 28.3% Less: Finance Cost 776 620 25.3% Net Interest Income 983 751 30.9% Fee & Other Income 238 174 36.8% Total Net Income 1,220 925 31.9% Operating Expenses 819 624 31.3% Profit Before Tax 401 301 33.2% Less: T
Slide 17: Operational Highlights
Operational Highlights • Achieved a key milestone with Assets Under Management (AUM) crossing INR 10,000 Mn, reaching INR 10,422 Mn in Q4- FY26 with YoY growth of 37.2%, reflecting strong business momentum and healthy portfolio expansion. • Disbursements for Q4-FY26 grew by 31.1% YoY to INR 13,961 M
Slide 18: Key Performance Metrics
Key Performance Metrics AUM (INR Mn) Disbursement (INR Mn) New Approvals (INR Mn) 1,396 1,713 1,166 1,065 1,073 1,336 1,306 10,422 8,666 9,439 1,152 7,594 7,954 800 812 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 NII (INR Mn
Slide 19: Key Operational Metrics
Key Operational Metrics Average Ticket Size (INR Lakhs) Average Tenure ( Years) Average LTV 50.67% 15.44 10.17 13.34 9.85 48.20% 10.94 10.87 11.97 9.73 9.42 46.61% 46.00% 9.18 45.50% Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY
Slide 20: Key Profitability and Asset Quality Metrics
Key Profitability and Asset Quality Metrics Margin Analysis* (%) Cost to Income Ratio (%) OPEX Ratio* (%) 20.52% 21.86% 20.52% 19.92% 20.40% 67.49% 67.48% 11.07% 11.03% 11.04% 11.01% 10.88% 8.76% 9.10% 9.25% 7.64% 7.68% 64.22% 64.10% 11.44% 10.48% 11.24% 11.04% 11.28% 63.14% Q4-FY25 Q1-FY26 Q2-FY26
Slide 21: Stage-wise Assets & Provisions Overview
Stage-wise Assets & Provisions Overview Mar-26 Dec-25 Mar-25 Mar-26 Dec-25 Mar-25 Particulars (INR Mn) (INR Mn) (INR Mn) (INR Mn) % to GA % to GA % to GA Gross Assets 10,422 9,439 7,594 100.00% 100.00% 100.00% Stage 1 9,697 8,812 7,045 93.05% 93.36% 92.78% Stage 2 540 454 409 5.18% 4.81% 5.38% Stage
Slide 22: 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 7,763 74.49% 1.49% Gujarat 4,162 39.93% 1.50% Salaried 2,658 25.51% 1.87% Rajasthan 3,845 36.90% 2.74% Total 10,422 100.00% - Mah
Slide 23: Financial Overview
FINANCIAL OVERVIEW SATIN CREDITCARE NETWORK LTD. 22
Slide 24: Historical Income Statement
Historical Income Statement Particulars (INR Mn) FY23 FY24 FY25 FY26 Interest Income 813 1,095 1,371 1,759 Less: Finance Cost 371 508 620 777 Net Interest Income 442 587 751 982 Fee & Other Income 126 172 174 238 Total Net Income 568 759 925 1,220 Operating Expenses 358 498 624 819 Profit Before Tax
Slide 25: Historical Balance Sheet
Historical Balance Sheet Particulars (INR Mn) FY23 FY24 FY25 FY26 Financial Assets Cash and Cash Equivalents 39 24 155 68 Bank Balance other than cash and cash equivalents 195 188 160 114 Loans 4,281 5,899 7,470 10,271 Investments 119 88 362 732 Other Financial Assets 88 120 152 178 Total Financial
Slide 26: 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 6,016 568 4,384 1,907 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 NII (INR Mn) PAT (INR Mn) Net worth (INR Mn) 982 325 2,969 2,640 751 244 587 211
Slide 27: Historical Profitability and Asset Quality Metrics
Historical Profitability and Asset Quality Metrics Margin Analysis (%) OPEX Ratio (%) Cost to Income Ratio (%) 20.88% 21.06% 20.15% 65.77% 19.53% 8.17% 64.56% 7.90% 63.74% 7.71% 11.33% 11.29% 11.03% 10.91% 7.19% 59.03% 10.82% 11.13% 11.14% 10.95% FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY2
Slide 28: 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 29: Thank You
SRG HOUSING . I FINANCE LIMITED
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