SRG Housing Finance Q3 FY26: AUM Nears ₹1,000 Cr (+33% YoY), PAT Up 43% to ₹8 Cr with Pristine Quality

SRG Housing Finance Ltd's board approved unaudited Q3 & 9M FY26 results, showcasing balanced growth in affordable housing/ LAP lending.

Key Metrics (₹ Cr): AUM ₹944 (+33% YoY), disbursements ₹107 (+18% YoY), total income ₹51 (+27%), NII ₹24 (+41%), NIM 2.68%, PBT ₹10 (+45%), PAT ₹8 (+43%). EPS ₹5.23. Equity ₹288 (+38%), BVPS ₹183. CAR 39% (Tier I 38.6%).

Efficiency: Cost/Income 64% (vs 65%), ROAE 2.9%, EBITDA ₹32 (+26% YoY). Spread 8.79%, LTV ~49%.

Asset Quality: GNPA 1.83% (vs 1.98%), NNPA 0.68%.

MD Vinod K. Jain: "Nearing ₹1,000 Cr AUM via network/team/capital scaling. Maintained quality (GNPA <2%, NNPA 0.6-0.75%). Q3 disbursals ₹107 Cr, approvals ₹130 Cr. ATS ₹13L, tenure ~10 yrs. PAT >₹8 Cr validates expansion."

Portfolio Mix (Q3 FY26):

- Housing 71% (₹668 Cr), LAP 29% (₹276 Cr).
- Self-employed 75%, salaried 25%.
- Rural 94%, urban 6%.

Funding: Borrowings ₹799 (+41% YoY); banks/NHB 50%, FIs 41%, NCDs 9%.

Presence: 95 branches across 6 states/1 UT (Rajasthan 34, Gujarat 25, etc.); H.O. Udaipur, Corp. Office Mumbai.

SRG scales rural housing with risk discipline.

Shares of SRG HOUSING FINANCE LTD. was last trading in BSE at Rs. 268.10 as compared to the previous close of Rs. 268.05. The total number of shares traded during the day was 18 in over 5 trades.

The stock hit an intraday high of Rs. 268.10 and intraday low of 268.10. The net turnover during the day was Rs. 4825.00.

Source : Equity Bulls

Keywords

SRGHOUSINGFINANCE INE559N01010 Q3FY26 Q3FY2026 9MFY26 9MFY2026 ResultUpdate