SRG Housing Finance Limited has reported a landmark set of audited results for the fourth quarter and full financial year ended March 31, 2026, crossing the significant milestone of INR 1,000 Crores in Assets Under Management (AUM). The company recorded a Profit After Tax (PAT) of INR 9.25 Cr in Q4-FY26, up 49.43% year-on-year from INR 6.19 Cr in Q4-FY25, while full-year PAT grew 33.16% to INR 32.49 Cr from INR 24.40 Cr in FY25. The results were approved by the Board of Directors on May 11, 2026, pursuant to Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and subsequently published in Financial Express (Delhi Edition) and Nafa Nuksan (Hindi) on May 12, 2026.

Q4-FY26 and FY26 Key Financial Performance

The company delivered broad-based growth across all key financial metrics. The following table presents the key performance highlights for Q4-FY26 and the full year FY26 (all figures in INR Cr):

Lending Operations and Portfolio Mix

SRG Housing Finance's AUM of INR 1,042.15 Cr as of FY26 is predominantly composed of housing loans at INR 750.24 Cr (71.99%) and Loans Against Property (LAP) at INR 291.91 Cr (28.01%), compared to housing loans of INR 554.81 Cr (73.06%) and LAP of INR 204.55 Cr (26.94%) in FY25. The portfolio remains heavily skewed towards self-employed borrowers, who account for 74.49% (INR 776.32 Cr) of the total AUM, with salaried borrowers contributing 25.51% (INR 265.83 Cr). Geographically, 95.09% of the AUM (INR 990.96 Cr) is from rural and semi-urban markets, while urban markets account for 4.91% (INR 51.19 Cr), consistent with the company's core focus. The average ticket size grew by 41.13% to INR 15.44 lacs during the quarter, driven by geographical expansion, rising construction costs, and prevailing market conditions.

The offering mix for Q4-FY26 is detailed below:

Funding and Borrowing Mix

Outstanding borrowings in FY26 stood at INR 856.91 Cr, compared to INR 584.33 Cr in FY25. The borrowing profile reflects a diversified funding base, as shown below:

The introduction of Non-Convertible Debentures (NCDs) as a funding source in FY26, accounting for 9.03% of the borrowing mix, marks a notable diversification from the prior year when NCDs formed no part of the funding profile.

Business Presence and Management Commentary

As of March 31, 2026, SRG Housing Finance operates through 96 branches across 6 states and 1 Union Territory, with a presence in Rajasthan (35), Gujarat (25), Madhya Pradesh (13), Maharashtra (13), Karnataka (6), Andhra Pradesh (3), and Delhi (1). The company has served more than 25,000 customers. During FY27, the company has added 7 new branches in Tumakur, Bhuj, Modasa, Gandhidham, Chomu, Jobner, and Reengus.

Commenting on the results, Managing Director Mr. Vinod K Jain stated: "FY26 has been a landmark year for SRG Housing Finance as we crossed the significant milestone of INR 1,000 Crores in Assets Under Management, reflecting the strength of our business model and the growing demand for affordable housing finance across rural and semi-urban markets. Our strong performance was supported by healthy disbursement growth, stable asset quality and continued focus on operational efficiency. During the year, AUM grew by 37.24% YoY, while Net Interest Income increased by 30.86% YoY and Profit After Tax grew by 33.16% YoY. We also continued to maintain a healthy Capital Adequacy Ratio of 38.62%, providing a strong foundation for future growth. Our average ticket size grew by 41.13% to INR 15.44 lacs during the quarter, driven by geographical expansion into newer markets, rising construction costs and prevailing market conditions — while continuing to serve the core affordable segment. While the ongoing conflict in West Asia has exerted some upward pressure on commodity and construction input costs, the fundamental demand drivers for affordable housing finance in our target markets remain intact and resilient. We are confident in our ability to navigate these near-term headwinds without any material impact on asset quality or growth. Looking ahead, we remain optimistic about the structural opportunity in affordable housing finance across rural and semi-urban India. Backed by a robust disbursement pipeline, a well-capitalised balance sheet and prudent underwriting practices, we are well positioned to sustain our growth trajectory and create long-term value for all stakeholders."

Earnings Conference Call

SRG Housing Finance hosted an earnings conference call on Tuesday, May 12, 2026 at 01:00 PM (IST) to discuss the financial results and performance for the quarter ended March 31, 2026. The call was accessible from all networks and countries through universal access dial-ins +91-22-6280 1341 / +91-22-7115 8242. The analyst and institutional investor presentation was submitted to stock exchanges and hosted on the company's website at https://srghousing.com/InvestorDesk .

SRG Housing Finance Limited allotted 4,400 equity shares of face value Rs. 10/- each to its employees on May 12, 2026, following the exercise of stock options under its Employees Stock Option Scheme – 2023 (ESOS-2023). The allotment was approved by the company's Nomination and Remuneration Committee at its meeting held on May 12, 2026, in accordance with Regulation 10(c) of the SEBI (Share Based Employee Benefits and Sweat Equity) Regulations, 2021.

Impact on Paid-Up Share Capital

The allotment of 4,400 equity shares has resulted in an increase in the company's paid-up equity share capital. The following table summarises the change in capital structure consequent to this allotment:

Key Details of the Allotment

The allotment was made pursuant to ESOS-2023, with shares to be listed on both BSE Limited and the National Stock Exchange of India Limited. The key parameters of the allotment are detailed below:

Pari-Passu Status and Compliance

All equity shares allotted pursuant to the exercise of stock options under ESOS-2023 rank pari-passu in all respects with the existing equity shares of SRG Housing Finance Limited. The allotment has been made in compliance with Regulation 10(c) of the SEBI (Share Based Employee Benefits and Sweat Equity) Regulations, 2021. The company had previously filed the statement referred to in Regulation 10(b) of the SEBI SBEB Regulations with BSE on June 06, 2023 (Filing No. 177184) and with NSE on May 17, 2024 (Filing No. 41735).

Company Overview

SRG Housing Finance Limited is registered at 321, S.M. Lodha Complex, Near Shastri Circle, Udaipur, Rajasthan – 313001. The company's equity shares are listed on both BSE Limited and the National Stock Exchange of India Limited. The disclosure was submitted to the stock exchanges by Company Secretary Divya Kothari (M.No.: A57307) on May 12, 2026.