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SRG Housing Finance Q3 FY26 PAT Surges 43% YoY to ₹8.21 Cr; AUM Nears ₹1,000 Cr
SRG Housing Finance Limited (SRGHFL) reported a robust 43.03% YoY growth in Profit After Tax (PAT) to ₹8.21 crore for Q3 FY26. The company's Assets Under Management (AUM) grew by 33.42% YoY to ₹943.93 crore, driven by strong rural demand and network expansion to 95 branches. Asset quality showed improvement with Gross NPA declining to 1.83% from 1.98% in the previous year. The company maintains a very high Capital Adequacy Ratio of 38.99%, indicating significant room for future growth.
Key Highlights
Net Profit (PAT) increased 43.03% YoY to ₹8.21 crore, while Total Income rose 27.33% to ₹51.25 crore.
Gross Loan Assets (AUM) reached ₹943.93 crore, representing a 33.42% YoY growth.
Gross NPA improved to 1.83% from 1.98% YoY; Net NPA remains stable at 0.68%.
Net Interest Income (NII) grew significantly by 40.87% YoY to ₹24.23 crore.
Book Value per share increased by 21.79% YoY to ₹183.31.
💼 Action for Investors
Investors should view the strong AUM growth and improving asset quality as positive indicators for this rural-focused housing finance player. Monitor the company's ability to maintain spreads as it scales toward the ₹1,000 crore AUM milestone.
SRG Housing Q3FY26: AUM Hits ₹944 Cr, PAT Jumps 43% YoY to ₹8.21 Cr with Stable Asset Quality
SRG Housing Finance reported a robust Q3FY26 with AUM growing to ₹944 crore, up from ₹707 crore YoY. Profit After Tax (PAT) surged 43% YoY to ₹8.21 crore, supported by disbursements of ₹107.34 crore during the quarter. Asset quality remains healthy with Gross NPA at 1.83%, while the company maintains a high spread of 8.79%. The firm continues to dominate the rural housing niche, with 94% of its book in rural areas and 79% catering to non-salaried borrowers.
Key Highlights
AUM reached ₹944 crore as of December 2025, showing strong growth from ₹759 crore in March 2025.
Quarterly PAT increased 43% YoY to ₹8.21 crore, while 9M FY26 PAT reached ₹23.24 crore.
Gross NPA improved to 1.83% from 1.98% YoY, maintaining sound asset quality in the rural segment.
Average ticket size for loans increased to ₹13.34 lakhs with an average LTV of 49.38%.
The company maintains a high spread of 8.79% and a Net Interest Margin (NIM) of 2.68% for Q3FY26.
💼 Action for Investors
Investors may view this as a positive growth story in the affordable rural housing space given the strong AUM trajectory and high spreads. Monitor the slight uptick in Net NPA (0.68% vs 0.61% YoY) and the progress of geographical diversification into Maharashtra and Karnataka.
SRG Housing Finance Q3 FY26 PAT Surges 43% YoY to ₹8.21 Cr; AUM Nears ₹1,000 Cr Mark
SRG Housing Finance reported a strong Q3 FY26 performance with Profit After Tax (PAT) growing 43% YoY to ₹8.21 crore. The Assets Under Management (AUM) reached ₹943.93 crore, marking a 33.4% YoY growth, driven by expansion in rural markets which account for nearly 94% of the portfolio. Asset quality improved with Gross NPA declining to 1.83%, while the company maintained a healthy capital adequacy ratio of 38.99%. The management highlighted a robust loan spread of 9.65% and a focus on self-employed borrowers in the housing segment.
Key Highlights
Net Interest Income (NII) grew by 40.87% YoY to ₹24.23 crore, supported by improved NIMs of 2.68%.
Assets Under Management (AUM) increased to ₹943.93 crore, a 33.42% growth compared to ₹707.47 crore in Q3 FY25.
Asset quality remains stable with Gross NPA at 1.83% and Net NPA at 0.68%, despite rapid portfolio expansion.
Disbursements for the quarter rose 18.02% YoY to ₹107.34 crore with an average ticket size of ₹13 lakhs.
The company maintains a strong capital position with a Capital Adequacy Ratio of 38.99% and a loan spread of 9.65%.
💼 Action for Investors
Investors should view the strong AUM growth and improving profitability as positive indicators of the company's rural housing focus. Monitor the sustainability of asset quality and loan spreads as the company scales toward its next growth phase.
SRG Housing Finance Q3 Net Profit Grows to ₹8.21 Cr; Issues Typo Correction
SRG Housing Finance Limited (SRGHFL) has submitted revised financial results for the quarter ended December 31, 2025, to correct a typographical error where Profit Before Tax was mislabeled as Net Profit After Tax. The company reported a Net Profit After Tax of ₹8.21 Crores for Q3 FY26, a significant increase from ₹5.74 Crores in the same quarter last year. For the nine-month period ended December 31, 2025, the Net Profit reached ₹23.24 Crores compared to ₹18.20 Crores in the previous year. The management clarified that this administrative correction has no impact on the actual financial performance or reported profits.
Key Highlights
Net Profit After Tax for Q3 FY26 rose to ₹8.21 Crores from ₹5.74 Crores YoY.
Nine-month (9M FY26) Net Profit grew to ₹23.24 Crores from ₹18.20 Crores in 9M FY25.
Company maintained a Net Worth of ₹287.8 Crores with a Debt-Equity ratio of 2.78.
Operating margin for the quarter stood at 39.54% with a Net Profit margin of 16.02%.
Allotted 14,150 equity shares to employees under the ESOP scheme at ₹200 per share.
💼 Action for Investors
The typographical correction is purely procedural and does not alter the company's strong year-on-year growth trajectory. Investors should remain focused on the improving profitability and stable margins reported in the results.
SRG Housing Finance Q3 FY26 Net Profit Rises 43% YoY to ₹8.21 Crore
SRG Housing Finance reported a strong performance for the quarter ended December 31, 2025, with net profit increasing by 43% YoY to ₹8.21 crore. Total revenue from operations grew by 29.5% YoY to ₹50.45 crore, primarily driven by a significant rise in interest income. The company's net profit margin improved to 16.02% from 14.27% in the previous year's corresponding quarter. Net worth has strengthened to ₹287.8 crore, while the debt-equity ratio stands at 2.78.
Key Highlights
Net Profit grew 43% year-on-year to ₹8.21 crore in Q3 FY26 compared to ₹5.74 crore in Q3 FY25.
Total Revenue from operations increased to ₹50.45 crore, up from ₹38.94 crore in the same period last year.
Earnings Per Share (EPS) for the quarter improved to ₹5.23 from ₹4.16 YoY.
Net Profit Margin expanded to 16.02% compared to 14.27% in the previous year.
The company maintained a healthy security cover of 110% for its listed debt obligations.
💼 Action for Investors
The company demonstrates robust growth in both top-line and bottom-line with improving margins. Investors should continue to monitor asset quality and the impact of finance costs on future interest spreads.
SRG Housing Finance Receives 'BBB+; Positive' Rating for Rs 875 Crore Facilities
Acuité Ratings & Research Limited has assigned and reaffirmed a 'BBB+; Positive' credit rating for SRG Housing Finance Limited's total facilities amounting to Rs 875 crore. The rating action includes a new assignment for Rs 500 crore in long-term bank facilities and reaffirmations for existing bank facilities of Rs 275 crore and NCDs of Rs 100 crore. The 'Positive' outlook indicates the potential for a future rating upgrade based on the company's financial performance. This rating stability is crucial for the housing finance company to maintain and potentially lower its cost of borrowing.
Key Highlights
Acuité assigned a 'BBB+; Positive' rating to new long-term bank facilities worth Rs 500 crore
Reaffirmed 'BBB+; Positive' rating for existing bank facilities totaling Rs 275 crore
Reaffirmed 'BBB+; Positive' rating for Non-Convertible Debentures (NCD) worth Rs 100 crore
Total rated instruments by Acuité now stand at a significant Rs 875 crore
The 'Positive' outlook suggests a favorable credit trajectory for the company
💼 Action for Investors
Investors should take the 'Positive' outlook as a sign of improving credit strength, which may lead to lower interest expenses. Monitor the company's leverage and asset quality as it utilizes the newly rated bank facilities for expansion.