SRG Housing Finance Achieves INR 1,000 Crore AUM Milestone Amid Robust Growth in Q4-FY26
Udaipur, May 11, 2026: SRG Housing Finance Limited, an NHB-registered housing finance company focused on affordable housing in rural and semi-urban markets, announced its financial results for the fourth quarter and financial year ended March 31, 2026. The company reported achieving an Assets Under Management (AUM) milestone exceeding INR 1,000 Crore.During FY26, the company registered significant year-over-year growth across key metrics, including disbursements, Net Interest Income (NII), and Profit After Tax (PAT).
Financial Performance Overview
The financial results for the fourth quarter and the full fiscal year provide a clear view of the company's accelerated growth trajectory.| Particulars | Q4-FY26 | Q4-FY25 | Y-o-Y | FY26 | FY25 | Y-o-Y |
|---|---|---|---|---|---|---|
| AUM | 1,042.15 | 759.36 | 37.24% | 1,042.15 | 759.36 | 37.24% |
| Disbursements | 139.61 | 106.48 | 31.11% | 443.54 | 304.96 | 45.44% |
| Total Income | 57.33 | 43.47 | 31.88% | 199.66 | 154.55 | 29.19% |
| Net Interest Income (NII) | 28.00 | 21.01 | 33.27% | 98.26 | 75.09 | 30.86% |
| PBT | 11.59 | 7.67 | 51.11% | 40.15 | 30.06 | 33.57% |
| PAT | 9.25 | 6.19 | 49.43% | 32.49 | 24.4 | 33.16% |
| Capital Adequacy Ratio | 38.62% | 38.20% | 0.42% | 38.62% | 38.20% | 0.42% |
Key Performance Highlights
Commenting on the results, Managing Director, Mr. Vinod K Jain, stated that FY26 marked a landmark year for the company, driven by the achievement of INR 1,000 Crores in AUM.He noted that the strong performance was supported by healthy disbursement growth, stable asset quality, and a focus on operational efficiency. Overall, AUM grew by 37.24% year over year (YoY). Net Interest Income increased by 30.86% YoY, and Profit After Tax (PAT) grew by 33.16% YoY.
Mr. Jain also highlighted that the Capital Adequacy Ratio (CAR) remained robust at 38.62%. Furthermore, the average ticket size increased by 41.13% during the quarter, reaching INR 15.44 lakhs, a trend attributed to geographical expansion and rising construction costs.
Lending Structure and Reach
The company maintains a diverse lending profile, focusing primarily on the affordable housing segment across rural and semi-urban markets.Product Wise Lending Mix (Rs. In Cr):
| Loan Type | FY26 | FY25 |
|---|---|---|
| Housing Loan | 750.24 (71.99%) | 554.81 (73.06%) |
| Loan Against Property (LAP) | 291.91 (28.01%) | 204.55 (26.94%) |
| Total | 1,042.15 | 759.36 |
Demography Wise Distribution (Rs. In Cr):
| Area | FY26 | FY25 |
|---|---|---|
| Rural / Semi-Urban | 990.96 (95.09%) | 718.79 (94.66%) |
| Urban | 51.19 (4.91%) | 40.57 (5.34%) |
| Total | 1,042.15 | 759.36 |
The company’s business presence spans 6 states and 1 Union Territory through 96 branches as of March 31, 2026. The branches are located in Rajasthan (35), Madhya Pradesh (13), Gujarat (25), Maharashtra (13), Karnataka (6), Andhra Pradesh (3), and Delhi (1).
Funding and Future Outlook
The outstanding borrowing for FY26 stood at INR 856.91 crore, compared to INR 584.33 crore in FY25. The company diversified its funding sources, with Banks including NHB accounting for 50.1% of borrowing, while the Reliance Financial Institutions (FI) segment accounted for 40.87%.Looking ahead, SRG Housing Finance Limited expressed optimism regarding the structural opportunity within affordable housing finance across rural and semi-urban India. The company stated it is well-positioned to sustain its growth trajectory, supported by a robust disbursement pipeline and a well-capitalised balance sheet.
SRGHFL Stock Price Movement
Today, SRG Housing Finance Limited shares edged higher, closing at ₹320, following a 5.00% gain. The stock traded within a range of ₹283.35 to ₹325, finishing today with a volume of 19,104 shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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