SRG Housing Finance Ltd

₹ 291 0.80%

15 May - close price

About

Incorporated in 1999, SRG Housing Ltd provides loans to Retail customers for construction, repair, renovation or purchase of residential property, and loans against property^[1]

Key Points

Business Overview:^[1]^[2]
SRG Housing Finance is a leading rural housing finance company, focusing on New-to-Credit, Underserved & Unorganized population. They offer small ticket loans, tailored products, and simplified access to finance through minimal documentation and fast processing. As of FY25, they operated 90 branches across 7 states with an AUM of ₹759 crore

Website BSE NSE

Market Cap ₹ 457 Cr.
Current Price ₹ 291
High / Low ₹ 344 / 222
Stock P/E 14.0
Book Value ₹ 189
Dividend Yield 0.00 %
ROCE 11.8 %
ROE 11.6 %
Face Value ₹ 10.0

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Pros

Company is expected to give good quarter
Company's median sales growth is 27.0% of last 10 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
Company has a low return on equity of 12.2% over last 3 years.
Promoter holding has decreased over last 3 years: -9.20%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	26.23	26.84	30.22	31.74	36.15	33.77	36.06	38.94	42.75	41.71	47.81	50.45	57.23
Interest	10.17	10.93	13.12	13.07	13.69	14.03	14.92	16.51	16.60	16.75	18.10	20.11	22.69
	9.94	9.53	10.19	10.86	13.55	11.55	11.96	14.85	17.42	16.65	18.52	19.22	21.62
Financing Profit	6.12	6.38	6.91	7.81	8.91	8.19	9.18	7.58	8.73	8.31	11.19	11.12	12.92
Financing Margin %	23.33%	23.77%	22.87%	24.61%	24.65%	24.25%	25.46%	19.47%	20.42%	19.92%	23.41%	22.04%	22.58%
	0.22	0.01	0.98	0.47	0.41	0.21	0.78	1.30	0.74	0.98	0.64	0.80	0.10
Depreciation	0.97	1.18	1.31	1.58	1.71	1.52	1.62	1.71	1.79	1.44	1.51	1.53	1.43
Profit before tax	5.37	5.21	6.58	6.70	7.61	6.88	8.34	7.17	7.68	7.85	10.32	10.39	11.59
Tax %	22.16%	15.55%	20.21%	20.60%	19.97%	14.83%	20.62%	19.80%	19.40%	13.50%	20.06%	20.98%	20.19%
	4.18	4.39	5.26	5.32	6.09	5.86	6.60	5.74	6.19	6.78	8.25	8.21	9.25
EPS in Rs	3.22	3.38	4.05	4.09	4.58	4.34	4.62	4.01	3.95	4.32	5.26	5.23	5.89
Gross NPA %	2.50%	2.47%	2.40%	2.37%	2.29%	2.19%	1.96%	1.98%	1.84%	1.85%	1.88%	1.83%
Net NPA %	0.51%	0.49%	0.56%	0.62%	0.69%	0.67%	0.59%	0.61%	0.61%	0.62%	0.64%	0.68%
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	7	10	15	34	58	73	77	80	94	127	155	199
Interest	2	4	6	11	23	30	31	31	37	51	62	78
	2	3	4	11	15	18	20	22	32	44	56	76
Financing Profit	2	3	4	11	20	25	26	28	24	32	37	46
Financing Margin %	34%	28%	30%	34%	34%	34%	34%	34%	26%	25%	24%	23%
	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	1	2	2	2	3	6	7	6
Profit before tax	2	3	4	11	19	22	24	26	21	26	30	40
Tax %	32%	32%	33%	27%	25%	20%	21%	20%	19%	19%	19%	19%
	2	2	3	8	15	18	19	20	17	21	24	32
EPS in Rs	1.36	1.65	2.08	6.22	11.26	13.82	14.48	15.63	13.12	15.83	15.57	20.69
Dividend Payout %	18%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	35%
5 Years:	21%
3 Years:	29%
TTM:	29%

Compounded Profit Growth
10 Years:	33%
5 Years:	12%
3 Years:	24%
TTM:	33%

Stock Price CAGR
10 Years:	17%
5 Years:	9%
3 Years:	14%
1 Year:	-8%

Return on Equity
10 Years:	16%
5 Years:	13%
3 Years:	12%
Last Year:	12%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	11	11	13	13	13	13	13	13	13	13	16	16
Reserves	3	5	21	29	44	62	81	101	120	146	248	281
Borrowing	25	41	75	167	255	246	286	287	357	491	584	857
	1	2	3	9	10	10	14	18	17	19	21	21
Total Liabilities	41	59	112	218	322	331	393	418	508	670	869	1,175
	0	1	1	1	2	4	3	7	24	27	24	20
CWIP	0	0	0	0	0	0	2	5	1	0	0	0
Investments	0	1	0	0	1	9	26	27	12	9	36	73
	41	58	111	216	319	317	363	378	471	635	809	1,082
Total Assets	41	59	112	218	322	331	393	418	508	670	869	1,175

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-10	-13	-24	-90	-66	23	-27	3	-83	-140	-131	-247
	-0	-2	0	-1	-1	-9	-19	-6	9	-1	-31	-39
	9	16	44	74	89	-9	40	1	73	139	173	273
Net Cash Flow	-1	2	20	-16	21	5	-6	-2	-1	-2	10	-13
Free Cash Flow	-10	-14	-25	-91	-68	23	-29	-1	-90	-144	-135	-249
CFO/OP	-187%	-175%	-229%	-382%	-140%	52%	-38%	15%	-127%	-163%	-126%	-194%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	11%	12%	11%	21%	30%	27%	22%	20%	14%	14%	12%	12%

Insights

In beta

Mar 2014

Mar 2015

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Mar 2025

Assets Under Management (AUM)
₹ Crore

xx.xx	xx.xx	xx.xx	xx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx
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		xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
					x,xxx				xx,xxx	xx,xxx	xx,xxx

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Disbursements
₹ Crore

Number of Branches
Number

Average Ticket Size
₹ Lakhs

Average Loan-to-Value (LTV)
%

Number of Customers
Number

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

4 Recently

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	67.83%	67.83%	67.83%	68.55%	67.54%	64.69%	64.79%	59.13%	59.11%	59.11%	59.06%	59.03%
	0.00%	0.15%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%
	0.00%	0.58%	0.72%	0.00%	0.00%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%
	32.17%	31.44%	31.44%	31.43%	32.45%	35.28%	35.19%	40.86%	40.88%	40.89%	40.93%	40.97%
No. of Shareholders	1,580	1,812	2,366	2,170	2,217	2,815	2,837	2,927	2,682	2,618	2,540	2,624

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	53.88%	61.57%	58.54%	61.52%	61.54%	64.96%	68.23%	68.55%	59.13%	59.03%
	0.00%	0.00%	0.42%	0.38%	0.59%	0.00%	0.00%	0.01%	0.00%	0.00%
	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%
	46.12%	38.43%	41.04%	37.95%	37.87%	35.04%	31.77%	31.43%	40.86%	40.97%
No. of Shareholders	660	1,465	1,500	1,540	1,477	1,644	1,622	2,170	2,927	2,624

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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