Srg Housing Finance Ltd. · NSE:SRGHFL
Srg Housing Finance — Investor Presentation (July 2026)
38 slides from Srg Housing Finance's investor presentation, Jul 7, 2026
Slide 1: Cover letter to stock exchanges
Date: July 07, 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 Dear Sir, Pursuant to Regulation 3
Slide 2: Investor Presentation July 2026
Investor Presentation July 2026 1
Slide 3: FY26 Snapshot
FY26 Snapshot INR 1,042 Cr INR 444 Cr 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 Cr) ~36% CAGR 1,042 759 602 438 325 340 280 274 200 38.7 53.3 82 26.4 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 PAT (INR Cr) ~32% CAGR 33 24 20 21 18 19 17 15 10 1 2 2 3 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 3
Slide 5: From Underserved to Empowered: Impact of SRG
From Underserved to Empowered: Impact of SRG Vision: To be the trusted partner IMPACT in CREATED empowering homeownership in rural and Mission: To be a catalyst for homeownership by delivering innovative and semi-urban areas; creating a better future through accessible housing customer-focused finan
Slide 6: Company Overview
Company Overview SATIN CREDITCARE NETWORK LTD. 5
Slide 7: Company Overview
Company Overview AUM and Total Net Income (INR Cr) • 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. 1,042 759 • SRG offers diversified affordable housing products including home purcha
Slide 8: Journey over the years
Journey over the years 1999 2012 2017 2023 2026 Incorporated as Vitalise Finlease 1st company in 1st private placement Listed on NSE (was INR 1,042 cr AUM as on 31 Pvt Ltd & subsequently changed Rajasthan to be of Equity Shares in already on BSE). Mar’26 & Expanded to 96 the name to SRG Housing list
Slide 9: Board of Directors
Board of Directors Managing Director (Promoter) Non-Executive, Independent Director 25 Years + Experience 35 Years + Experience His deep financial acumen, excellent He is a Chartered Accountant. Earlier, he team management capabilities have was associated with the State Bank of enabled him to fuel c
Slide 10: Management Team
Management Team Chief Executive Officer Chief Financial Officer Mr. Archis Jain holds a Master’s in Family Business Programme from SP Jain School Mr. Ashok Modi has been with the Company since 2012. He has deep of Global Management. He oversees business operations and implementation. His knowledge o
Slide 11: Awards
Awards • Excellence in Financial Services by Star Awards 22 Dec 2023 • Best Cloud Initiative - 20th August 2021 • Excellence Award - 25th May 2018 • NSE Award ,21-August-2023 • Business Leader - April 2021 • Top 100 - SMEs in India - 10th March 2018 • Best Cloud Initiative 03rd March, 2023 • Excelle
Slide 12: 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 13: Diversified Borrowing Profile
Diversified Borrowing Profile Public Sector Banks Private Sector & Other 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 di
Slide 14: Healthy Asset-Liability Management Profile
Healthy Asset-Liability Management Profile Extract of Liquidity as on 31st March, 2026 Particulars Amount (INR Cr) Cash and Bank Balance* 6.8 Investment in Bonds, Mutual Fund, Shares and FD 72.9 Unutilized CC and OD Limit 3.5 Undrawn Sanctions 61.5 TOTAL 144.7 * Cash and Bank Balance does not includ
Slide 15: Business Overview
Business Overview SATIN CREDITCARE NETWORK LTD. 14
Slide 16: Housing Loans
Housing Loans Housing Loans Serving the Underserved 'Missing Middle' SRG Housing provides long-term home loans to rural and semi-urban borrowers overlooked by large commercial banks. Target customers are self-employed informal workers small traders, artisans, and AUM INR 750 Cr business owners — who
Slide 17: Loan Against Property
Loan Against Property Loan Against Property Working Capital for Micro-Entrepreneurs AUM INR 292 Cr SRG’s LAP segment which is 29% of AUM, INR 292 Cr serves micro-entrepreneurs in rural markets who require working capital or emergency liquidity. This segment commands a 20.97% lending rate, with avera
Slide 18: Target Customer Segment
Target Customer Segment Milkman Labourer Repair Shop Owner Saree Shop Owner Tea Stall Owner Teacher Trader/Whole Seller Vegetable Vendor Barber 17
Slide 19: Powering Digital Ecosystem with SRG Srajan
Powering Digital Ecosystem with SRG Srajan LOS (Loan Origination System) LMS (Loan Management) Collection (Loan Collection) • Lead Generation & Management • EMI Collection through auto-debit • DPD Bucketing • Customer Application Form • Repayment Monitoring • Pool Allocation • KYC & Documents Valida
Slide 20: Loan Origination Process
Loan Origination Process Application Process Risk Based Pricing 100% Online Login by RM No Hidden Charges 15 Min Application Time to Based on Field Assessment Complete Real Time Status and Approval Hassle Free Process Real Time Status Fast Disbursal Quick Approval (<3 days Geo-Based Collateral appro
Slide 21: Collections & Recovery Framework
Collections & Recovery Framework DPD Day 1 • Overdue cases reported by Accounts Team 1st Day DPD 1 to 30 • Soft calling by CRM to follow up for overdue payments 1–30 Days DPD 31 to 90 • On-field follow-up by Collection Executive & Collection Manager 31–90 Days • Visit PNPA cases; Legal Counselling f
Slide 22: Portfolio Overview
Portfolio Overview SATIN CREDITCARE NETWORK LTD. 21
Slide 23: Diversified Portfolio Driving Healthy Asset Quality
Diversified Portfolio Driving Healthy Asset Quality State Wise Occupation Wise AUM % of AUM % of Particulars GNPA Particulars GNPA (INR Cr) AUM (INR Cr) AUM Self Employed 776 74.49% 1.49% Gujarat 416 39.93% 1.50% Salaried 266 25.51% 1.87% Rajasthan 385 36.90% 2.74% Total 1,042 100.00% - Maharashtra
Slide 24: 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 Cr) (INR Cr) (INR Cr) % to GA % to GA % to GA Gross Assets 1,042 944 759 100.00% 100.00% 100.00% Stage 1 969 881 705 93.05% 93.36% 92.78% Stage 2 54 45 41 5.18% 4.81% 5.38% Stage 3 19 17 14 1.
Slide 25: Environmental Social Governance
Environmental Social Governance SATIN CREDITCARE NETWORK LTD. 24
Slide 26: Environmental · Social · Governance
Environmental · Social · Governance E | Environmental S | Social G | Governance • Integrating climate • Enabling homeownership for • Responsible lending risk considerations thousands of families across Rajasthan, practices focused on into lending Gujarat, Madhya Pradesh, and beyond underserved custo
Slide 27: Strategic Overview
Strategic Overview SATIN CREDITCARE NETWORK LTD. 26
Slide 28: Future Growth Strategies
Future Growth Strategies Geographic Expansion • Deepening presence across Rajasthan and Gujarat while scaling operations in Karnataka and Andhra Pradesh • Entered four new southern markets to capture underserved rural housing finance opportunities Product Discipline • Focused on self-employed, rural
Slide 29: Industry Overview
Industry Overview SATIN CREDITCARE NETWORK LTD. 28
Slide 30: India Affordable Housing — Industry Overview
India Affordable Housing — Industry Overview HOME LOAN MARKET SHARE (2024) HOUSING SHORTAGE SNAPSHOT INR 13 Tn PSBs HFCs Pvt ▸ 10.1 Mn unit shortage exists today Current affordable housing 40% 34% 20% ▸ 95.2% of demand is in affordable segment loan market portfolio (FY24) HFCs growing at 13.78% CAGR
Slide 31: Home Renovation & Repair Financing — Industry Landscape
Home Renovation & Repair Financing — Industry Landscape INR 3.2 Tn+ 20–25% ~15–20% INR 1L–10L Est. addressable renovation CAGR: Small-ticket LAP Share of HFC disbursements Average ticket for affordable-segment HFCs loan market (FY25) (ICRA, next 5 years) for repair/renovation/extension KEY DEMAND DR
Slide 32: Financial Overview
Financial Overview SATIN CREDITCARE NETWORK LTD. 31
Slide 33: Yearly Income Statement
Yearly Income Statement Particulars (INR Cr) FY23 FY24 FY25 FY26 Interest Income 81 110 137 176 Less: Finance Cost 37 51 62 78 Net Interest Income 44 59 75 98 Fee & Other Income 13 17 17 24 Total Net Income 57 76 93 122 Operating Expenses 36 50 62 82 Profit Before Tax 21 26 30 40 Less: Tax 4 5 6 8 P
Slide 34: Yearly Balance Sheet
Yearly Balance Sheet Particulars (INR Cr) FY23 FY24 FY25 FY26 Financial Assets Cash and Cash Equivalents 4 2 16 7 Bank Balance other than cash and cash equivalents 20 19 16 11 Loans 428 590 747 1027 Investments 12 9 36 73 Other Financial Assets 9 12 15 18 Total Financial Assets 472 632 830 1,136 Non
Slide 35: Yearly Performance Metrics
Yearly Performance Metrics AUM (INR Cr) Disbursement (INR Cr) Total Net Income (INR Cr) 1,042 444 122 759 93 284 305 76 602 57 438 191 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 NII (INR Cr) PAT (INR Cr) Net worth (INR Cr) 98 33 297 264 75 24 59 21 17 160 44 133 FY23 FY24 FY25 FY26
Slide 36: Yearly Profitability and Asset Quality Metrics
Yearly 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 FY25 FY
Slide 37: 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 38: Thank You
SRG HOUSING mS) FINANCE LIMITED
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