SRG Housing Finance Limited has successfully completed its monthly interest payment and partial redemption obligations for its secured redeemable Non-Convertible Debentures on February 24, 2026. The company informed BSE Limited about the completion of these financial obligations in compliance with SEBI regulations.

Interest Payment Details

The company executed its monthly interest payment schedule with precision, demonstrating its commitment to timely debt servicing obligations.

The interest payment was completed on the scheduled due date, with TDS deducted as per regulatory requirements. The company noted that the previous interest payment was made on January 23, 2026, one day prior to the due date due to business convention considerations.

Debenture Issue Structure

The Non-Convertible Debentures represent a significant component of SRG Housing Finance's funding structure, designed to support the company's lending operations.

Partial Redemption Execution

SRG Housing Finance executed a partial redemption of its debentures on February 24, 2026, following a systematic face value redemption approach on a pro-rata basis.

Regulatory Compliance

The company's intimation to BSE Limited was made in accordance with Regulations 30 and 57(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The disclosure follows the requirements outlined in SEBI Master Circular Ref. No. SEBI/HO/DDHS/DDHS-PoD-1/P/CIR/2024/48 dated May 21, 2024, ensuring complete transparency in debt servicing activities.

Company Secretary Divya Kothari signed the compliance document digitally, confirming the completion of both interest payment and redemption obligations without any delays or non-payment issues. The systematic approach to monthly redemptions demonstrates SRG Housing Finance's structured debt management strategy.

SRG Housing Finance Limited has announced strong financial results for Q3FY26, with the Board of Directors approving unaudited financial results for the quarter and nine months ended December 31, 2025, at their meeting held on February 6, 2026. The company submitted its press release to both NSE (Scrip Symbol: SRGHFL) and BSE (Scrip Code: 534680) under Regulation 30 of SEBI regulations.

Strong Financial Performance in Q3FY26

The company delivered impressive financial metrics for Q3FY26, with net profit after tax surging 43.03% to ₹8.21 crore compared to ₹5.74 crore in Q3FY25. Total income grew by 27.33% to ₹51.25 crore, while net interest income increased substantially by 40.87% to ₹24.23 crore. Profit before tax rose 44.91% to ₹10.39 crore during the quarter.

Asset Growth and Quality Metrics

SRG Housing Finance achieved significant asset growth with Gross Loan Assets (AUM) reaching ₹943.93 crore, marking a robust 33.42% year-on-year increase from ₹707.47 crore in Q3FY25. The company is approaching its guided target of ₹1,000 crore AUM. Loan disbursements for the quarter stood at ₹107.34 crore, representing an 18.02% increase from ₹90.95 crore in the corresponding previous quarter.

Asset quality remained strong with Gross NPA improving to 1.83% from 1.98% in Q3FY25, while Net NPA was maintained at 0.68%. The company's Net Interest Margin (NIM) on Gross Average AUM stood at 2.68% compared to 2.53% in the previous year.

Operational Efficiency and Capital Strength

The company demonstrated improved operational efficiency with the cost-to-income ratio decreasing to 64.07% in Q3FY26 from 65.40% in Q3FY25. Return on Average Equity (ROAE) improved to 2.90% from 2.80% in the previous year. EBITDA increased to ₹32.03 crore compared to ₹25.39 crore in Q3FY25.

Capital adequacy remained robust with the Capital Adequacy Ratio at 38.99% as of December 31, 2025, comprising 38.60% Tier I capital and 0.39% Tier II capital. Total equity grew by 38.47% to ₹287.80 crore, while book value per share increased by 21.79% to ₹183.31. Basic EPS rose 25.72% to ₹5.23.

Portfolio Composition and Market Focus

The lending portfolio maintained its rural focus with 93.87% of the book in rural markets and 74.60% lending to self-employed segments. Housing loans constituted 70.77% of the portfolio at ₹668.02 crore, while loan against property accounted for 29.23% at ₹275.91 crore. The average ticket size increased to ₹13 lakhs with an average tenure of approximately 10 years.

Management Commentary and Future Outlook

Managing Director Vinod K. Jain commented on the company's performance, stating that SRG Housing Finance is close to achieving its ₹1,000 crore AUM target with current AUM at ₹944 crore as of December 31, 2025. He highlighted the company's ability to maintain strong asset quality while scaling operations, with new approvals reaching ₹130 crore in Q3FY26.

The company operates through 95 branches across 6 states and 1 union territory, including Rajasthan (34 branches), Gujarat (25), Madhya Pradesh (13), Maharashtra (13), Karnataka (6), Andhra Pradesh (3), and Delhi (1). Outstanding borrowings increased to ₹799.28 crore from ₹566.06 crore, with funding sourced from banks including NHB (50.10%), financial institutions (40.87%), and NCDs (9.03%).