SRG Housing Finance Limited has informed the Exchange about Transcript
SRGHFL · price
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SRG Housing Finance shared the transcript of its Q4 & FY25 earnings call. The company achieved its FY25 AUM target of INR759 crores (26% growth), with disbursements of INR305 crores and PAT of INR24 crores (up 14%). Net interest margin stood at 10.63%, gross NPA improved to 1.84% from 2.29%, and net worth rose sharply to INR264 crores from INR159 crores after an INR80 crore equity raise. Branch count expanded to 90 from 67. Management guided FY26 AUM of INR1,000-1,100 crores and FY27 AUM of INR1,300-1,350 crores, with disbursement targets of INR400 crores and INR500 crores respectively. ROA is expected to recover above 3.5% next year and reach 4% in 2-3 years, supported by lower repo rates boosting NIM and a stable branch count at 100.
Positive for shareholders — management has delivered on FY25 targets and laid out a clear multi-year growth path with improving profitability metrics. The guidance for NIM expansion, ROA recovery, and a likely credit rating upgrade to A- at the INR1,000 crore AUM milestone should support valuation upside.