SRG HOUSING FINANCE LTD.
P&L
Quarterly Standalone
vs Q2 FY26
SRG Housing Finance Ltd. Reports Q3 FY26 Results with 33.42% Growth in Gross Loan Assets
06 Feb 2026 · 6 Feb, 6:45 pm
Summary
SRG Housing Finance Ltd. has reported a 33.42% growth in Gross Loan Assets for Q3 FY26. The company's Cost to Income ratio has decreased to 64.07% from 65.40% in Q3 FY25. The Return on Average Equity (ROAE) for Q3 FY26 is at 2.90% while for Q3 FY25 is 2.80%. The company's Net Profit for the quarter crossed Rs 8 Crore. The company's lending operations have seen a significant growth in housing loans, self-employed loans, and rural loans.
Key Highlights
- 1
Gross Loan Assets (AUM) at Rs 943.93 crores
- 2
Total Income at Rs 51 crores
- 3
Cost to Income ratio at 64.07%
- 4
Return on Average Equity (ROAE) at 2.90%
- 5
Net Profit at Rs 8 crores
- 6
Loan to Value Ratio (LTV) at ~49 %
- 7
Loan Spread at 9.65% for Q3 FY26
- 8
EBITDA at Rs. 32.03 crore for Q3 FY26
- 9
Loan Mix: Total Housing Loan Percent at 70.77%
- 10
Loan Mix: Occupation wise: Self Employed at 74.60%
- 11
Loan Mix: Demography wise: Rural at 93.87%
- 12
Outstanding Borrowing in Q3 FY26 at Rs. 799.28 Crores
- 13
Business Presence: 95 branches in 6 states and 1 Union Territory
Management Comments
Mr. Vinod K. Jain
Managing Director
As guided and promised, we are close to hitting Rs 1,000 Crore AUM (Rs 944 Crore as of 31 Dec 2025). This pace of growth over the past few years showcases our efforts in scaling up our AUM and disbursements, led by strong network expansion, team expansion, adequate and timely availability of capital. However, inspite of growing at this pace, we have continued to maintain our asset quality with GNPAs moving below the 2% mark, while NNPAs sustained in a comfortable range of 0.60% to 0.75%.
Informational and educational content only. Not investment advice.