SRG HOUSING FINANCE LTD.
P&L
Quarterly Standalone
vs Q3 FY26
SRG Housing Finance AUM Crosses ₹1,000 Crore in FY26
11 May 2026 · 11 May, 6:02 pm
Summary
SRG Housing Finance Limited reported strong financial results for Q4 and FY26, highlighted by achieving a significant milestone of over ₹1,000 crore in Assets Under Management (AUM), reflecting a 37.24% year-on-year increase. The company's Profit After Tax (PAT) demonstrated substantial growth, increasing by 49.43% year-on-year in Q4 to ₹9.25 crore, and by 33.16% for the full financial year to ₹32.49 crore. Net Interest Income (NII) also showed robust performance, growing 33.27% in Q4 and 30.86% for the full year. Management commentary emphasized the strength of their affordable housing finance business model, stable asset quality, and an optimistic outlook for sustained growth, supported by a strong disbursement pipeline and prudent underwriting practices.
Key Highlights
- 1
SRG Housing Finance achieved a significant milestone, crossing ₹1,000+ crore in Assets Under Management (AUM) for FY26, marking a robust 37.24% growth year-on-year.
- 2
Profit After Tax (PAT) surged by 49.43% year-on-year to ₹9.25 crore in Q4-FY26, contributing to a 33.16% growth for the full financial year to ₹32.49 crore.
- 3
Disbursements for the fourth quarter stood at ₹139.61 crore, up 31.11% year-on-year, while full-year disbursements reached ₹443.54 crore, an increase of 45.44% year-on-year.
- 4
Net Interest Income (NII) for Q4-FY26 increased by 33.27% year-on-year to ₹28.00 crore, with FY26 NII growing by 30.86% to ₹98.26 crore.
- 5
The company maintained a healthy Capital Adequacy Ratio of 38.62% as of March 31, 2026, strengthening its foundation for future growth.
- 6
The Cost to Income Ratio improved significantly, decreasing by 4.35 percentage points year-on-year to 63.14% in Q4-FY26, reflecting enhanced operational efficiency.
Management Comments
Mr. Vinod K Jain
FY26 has been a landmark year for SRG Housing Finance as we crossed the significant milestone of INR 1,000 Crores in Assets Under Management, reflecting the strength of our business model and the growing demand for affordable housing finance across rural and semi-urban markets. Our strong performance was supported by healthy disbursement growth, stable asset quality and continued focus on operational efficiency. During the year, AUM grew by 37.24% YoY, while Net Interest Income increased by 30.86% YoY and Profit After Tax grew by 33.16% YoY. We also continued to maintain a healthy Capital Adequacy Ratio of 38.62%, providing a strong foundation for future growth. Our average ticket size grew by 41.13% to INR 15.44 lacs during the quarter, driven by geographical expansion into newer markets, rising construction costs and prevailing market conditions — while continuing to serve the core affordable segment. While the ongoing conflict in West Asia has exerted some upward pressure on commodity and construction input costs, the fundamental demand drivers for affordable housing finance in our target markets remain intact and resilient. We are confident in our ability to navigate these near-term headwinds without any material impact on asset quality or growth. Looking ahead, we remain optimistic about the structural opportunity in affordable housing finance across rural and semi-urban India. Backed by a robust disbursement pipeline, a well-capitalised balance sheet and prudent underwriting practices, we are well positioned to sustain our growth trajectory and create long-term value for all stakeholders.
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