SRG Housing Finance Ltd (BOM:534680)

Q4 2026 SRG Housing Finance Ltd Earnings Call Transcript

May 12, 2026 / 07:30 AM GMT

Release Date Price: ₹286.05 (-6.23%)

Transcript

Key Points

Positve

SRG Housing Finance Ltd (BOM:534680) reported a strong growth in net interest income, increasing by 33% year-on-year for the fourth quarter.
The company's profit after tax for the quarter grew by 50% year-on-year, indicating robust financial performance.
Asset under management (AUM) saw a significant growth of 37% year-on-year, reflecting strong demand and effective market penetration.
Operational efficiency improved, with the cost-to-income ratio declining from 67.49% to 63.14%, showcasing better operational leverage.
The company maintained a healthy capital adequacy ratio of 38.62%, providing a solid foundation for future growth.

Negative

Despite the growth, the company faces high competition in the affordable housing finance segment, which could impact future margins.
The average loan-to-value (LTV) ratio increased from 46.6% to 50.7%, which may indicate higher risk exposure.
The company is heavily reliant on the Rajasthan and Gujarat regions, which together contribute 77% of the AUM, posing a geographical concentration risk.
There is a concern about the high gross non-performing assets (GNP) in the Rajasthan region, which could affect overall asset quality.
The expansion into new states like Tamil Nadu and Telangana requires significant investment and poses execution risks.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SRGH.NS - SRG Housing Finance Ltd
Q4 2026 SRG Housing Finance Ltd Earnings Call
May 12, 2026 / 07:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q4 FY26 Earnings Conference Call of SRG Housing Finances Limited.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference call, please signal an operator by pressing star and then zero on your touchtone phone.

Please note that this conference is being recorded.

At this time, I would like to hand the conference over to Ms. Purvangi Jain from Valorum Advisors.

Thank you, and over to you, ma'am.

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