SRG Housing Finance Ltd (SRGHFL) Q4FY26 Concall Summary - Mar-2026 Qtr
Performance Overview
- SRG Housing Finance Ltd demonstrated robust growth in Q4 FY26, highlighted by a 50% YoY increase in Profit After Tax, reaching INR 9 crores, and a 33% YoY rise in Net Interest Income to INR 28 crores.
- The company successfully crossed the INR 1,000 crore AUM milestone, ending the year at INR 1,042 crores, a significant 37% YoY growth, driven by strong disbursement momentum.
- Asset quality remained stable and healthy, with an improvement in Gross NPA to 1.77% and Net NPA standing at 0.65%, reflecting disciplined underwriting and strong collection efficiencies.
- Operational efficiency saw marked improvement, evidenced by the cost-to-income ratio declining to 63.14% from 67.49% YoY and a significant increase in AUM per branch and per employee.
- The company's liability profile strengthened, with the cost of borrowing improving to 10.88% in Q4 FY26, supported by a long-term credit rating upgrade from Acuité Ratings.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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