Investor Presentation on the Audited Financial Results for the quarter and financial year ended 31.03.2026
SRGHFL · price
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SRG Housing Finance reported strong FY26 results with AUM crossing the INR 10,000 Mn milestone at INR 10,422 Mn, up 37.2% YoY. Disbursements for the year were INR 4,435 Mn, growing 45.4% YoY, while PAT increased 33.2% to INR 325 Mn. Net Interest Income rose 30.9% to INR 983 Mn. NIM compressed by 12 bps YoY to 10.91% as gross yield fell 62 bps to 19.53%, partially offset by a 19 bps reduction in borrowing cost to 10.95%. Asset quality improved with GNPA declining to 1.77% from 1.84%. The company operates 96 branches across 6 states and 1 UT, serving 25,000+ customers, predominantly rural self-employed borrowers. Capital adequacy stands at 38.62% and ROAE improved to 11.59%.
The company delivered robust 33% PAT growth and crossed the INR 10,000 Mn AUM mark, though margin compression of 12 bps signals ongoing pressure on net interest margins from competitive lending rates and rising funding costs.