SRG HOUSING FINANCE LTD.
P&L
Quarterly Standalone
vs Q1 FY26
SRG Housing Finance Ltd Reports Q2 FY26 Results: AUM Grows 33% YoY, PAT Up 25% YoY
12 Nov 2025 · 12 Nov 2025, 02:32 pm
Summary
SRG Housing Finance Ltd has reported its Q2 FY26 results with a 33% YoY growth in AUM and a 25% YoY increase in PAT. The company's total income grew by 31.5% YoY to INR 48.45 crore, and net interest income rose by 31.9% to INR 36.85 crore. The cost-to-income ratio improved to 64.22% from 64.80% in Q2 FY25. The company's loan book stands at INR 866.64 crore, with a loan mix of 69.85% housing loans, 30.15% LAP, 74.45% self-employed, 25.55% salaried, 94.25% rural, and 5.75% urban. The company has a strong capital adequacy ratio of 42.68%, with tier I capital at 42.26% and tier II capital at 0.41%.
Key Highlights
- 1
AUM grows 33% YoY
- 2
PAT up 25% YoY
- 3
Total income grows 31.5% YoY
- 4
Net interest income rises 31.9%
- 5
Cost-to-income ratio at 64.22%
- 6
Loan book at INR 866.64 crore
- 7
Loan mix: 69.85% housing loans, 30.15% LAP
- 8
Capital adequacy ratio of 42.68%
Management Comments
Mr. Vinod K. Jain
Managing Director
We sustained our growth momentum in Q2 FY26, with AUM rising to INR 866.64 crore, up ~33% YoY and ~9% QoQ, supported by strong disbursements of Quarter INR 116.59 crore (up ~85% YoY & ~46% QoQ). Our prudent underwriting practices and an LTV of ~46% continue to ensure portfolio quality. Operational efficiency improved with the Cost-to-Income ratio at 64.22% (vs. 64.80% in Q2 FY25), while Total Income grew 31.5% YoY to INR 48.45 crore, and NII rose 31.9% to INR 36.85 crore, driven by healthy AUM growth and disciplined pricing. Profitability strengthened with PAT at INR 8.25 crore (up 25% YoY), while asset quality remained stable with Gross NPA at 1.88% and Net NPA at 0.64%. The Capital Adequacy Ratio stood at a robust 42.68%, largely comprising Tier I capital (42.26%). We remain focused on quality growth, operational efficiency, and digital expansion, and are confident of crossing the INR 1,000 crore AUM milestone in the coming quarters while maintaining strong credit standards.
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