SRG Housing Finance AUM Hits INR 1,042 Cr in FY26, Targets INR 1,500 Cr by FY27

SRG Housing Finance reported Assets Under Management (AUM) of INR 1,042 Cr for the financial year ended March 31, 2026. The company's financial performance reflects a strong capital position with a Capital Adequacy Ratio of 38.62% and a Net Interest Margin (NIM) of 10.91%. Total disbursement for the year stood at INR 444 Cr, while the borrowing cost was recorded at 10.95%.

The company operates with a network of 96 branches across 7 states and union territories, serving over 25,000 customers. SRG Housing Finance's asset quality remains robust, with a Net Non-Performing Assets (NNPA) ratio of 0.65% and a long-term rating of "A-(Stable)" assigned by ACUITE. The Return on Average Equity (ROAE) for the period was 11.59%.

Financial and Operational Metrics

The company's liquidity position as of March 31, 2026, included a total of INR 144.7 Cr, comprising cash and bank balances, investments, and unutilized credit limits. The borrowing profile is diversified across 36 lenders, including public sector banks, private banks, and financial institutions. Key metrics for the period are summarised below:

Metric:	Value:
AUM	INR 1,042 Cr
Disbursement	INR 444 Cr
Net Interest Margin	10.91%
Borrowing Cost	10.95%
Capital Adequacy Ratio	38.62%
NNPA	0.65%
ROAE	11.59%
No. of Branches	96
No. of Customers	25,000+
Liquidity Position	INR 144.7 Cr
No. of Lenders	36

Strategic Growth and Outlook

Management expects AUM to reach approximately INR 1,300–1,500 Cr by FY27, driven by targeted disbursements of around INR 600 Cr. The growth strategy focuses on deepening presence in Rajasthan and Gujarat while scaling operations in Karnataka and Andhra Pradesh. The company also aims to leverage technology initiatives under the SRG SRAJAN program to enhance underwriting efficiency, pursue lower-cost funding, and sustain portfolio quality.

The investor presentation, disseminated to the stock exchanges on July 07, 2026, confirms that the information is based on audited financial results and contains no unpublished price sensitive information.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-2.97%	+0.28%	+7.47%	+7.50%	-3.94%	+20.65%

SRG Housing Finance has paid interest of ₹41.65 lakh and partially redeemed Non-Convertible Debentures (NCDs) worth ₹75.75 lakh on June 29, 2026. The payments were made for secured, listed NCDs issued through private placement, carrying the ISIN INE559N07058. The company confirmed that both the interest and redemption payments were made on the due date without any delays.

The interest payment of ₹41.65 lakh was credited against a due amount of ₹42.24 lakh, with the difference attributed to Tax Deducted at Source (TDS). The interest is paid monthly, and the record date for this payment was June 14, 2026. The previous interest payment was made on May 29, 2026.

NCD Details

The NCD issue consists of 5,000 rated, secured, listed, senior, and transferable debentures with a face value of ₹1,00,000 each. The total issue size aggregates to ₹50 crore, which includes a Green Shoe Option of ₹15 crore. The partial redemption of ₹75.75 lakh was executed on a pro-rata basis based on face value.

Following the redemption, the outstanding principal amount stands at ₹42.42 crore. The reason for the redemption was classified as 'Others- Monthly Redemption'. The company submitted the intimation to BSE Limited in compliance with SEBI regulations.