SRG Housing Finance Ltd (NSE:SRGHFL)

Q4 2025 SRG Housing Finance Ltd Earnings Call Transcript

May 5, 2025 / 10:40 AM GMT

Release Date Price: ₹290.45 (-1.66%)

Transcript

Key Points

Positve

SRG Housing Finance Ltd (BOM:534680) reported a 26% growth in its loan book, indicating strong business expansion.
The company achieved a 22% growth in total income, showcasing robust revenue performance.
Net interest income increased to 72 crore from 59 crore, reflecting improved financial health.
The company maintained a healthy net interest margin of 10.63%, indicating efficient management of interest expenses.
SRG Housing Finance Ltd (BOM:534680) plans to expand its branch network from 90 to 100, aiming for greater market penetration.

Negative

The company's return on assets (ROA) has decreased from 3.5% to 3%, due to higher cost-income ratio and credit costs.
There is increased competition in urban areas, which could impact future growth prospects.
The cost of borrowing remains a concern, with 46% of funds sourced from banks and 48% from financial institutions.
The company's gross NPA stands at 1.84%, which, although improved, still poses a risk to asset quality.
The cost-to-income ratio is relatively high, impacting overall profitability.

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

SRGH.NS - SRG Housing Finance Ltd
Q4 2025 SRG Housing Finance Ltd Earnings Call
May 05, 2025 / 10:40AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, I welcome you all to the Q4 and FI25 post earnings conference call of SRG Housing Finance Limited.

Today on the call from the management, we have with us Mr. Vio Kumar Jain, managing director, and Mr. Ashoka Moti, Chief Financial Officer. As a disclaimer, I would like to inform all of you that this call may contain forward-looking statements which may involve risk and uncertainties. Also a reminder that this call is being recorded. I would now request the management to detail us about the business and performance highlights for the quarter and year ended 31st March 2025, the growth plan and vision for the coming year, post which we will open the floor for Q&A. Over to you, sir.

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