SRG Housing Finance

SRG Housing Finance delivered a strong Q4 FY26 with PAT surging 50% YoYCurrent reported value: 50% YoY. No comparable prior figure is available in the source record. to ₹9Current reported value: 9. No comparable prior figure is available in the source record. crore, driven by 33% NII growthCurrent reported value: 33% NII growth. No comparable prior figure is available in the source record. and stable NIMs of 11.28%. AUM expanded 37% YoYCurrent reported value: 37% YoY. No comparable prior figure is available in the source record. to ₹1,042 croreCurrent ₹1,042 crore. Reported change: +37% YoY., supported by 45% YoY disbursement growthCurrent reported value: 45% YoY disbursement growth. No comparable prior figure is available in the source record. to ₹443.54 croreCurrent ₹443.54 crore. Reported change: +45% YoY.. Asset quality improved with GNPA at 1.77%Current 1.77%. Reported change: -7bps YoY. (down 7bps YoY) and NNPA at 0.65%. Operational efficiency gains are visible: AUM per branch rose 29% to ₹10.86 croreCurrent ₹10.86 crore. Reported change: +29% YoY. and cost-to-income ratio improved to 63.14%. Management guided for FY27 disbursements of ~₹600 crore and AUM of ₹1,300-1,400 crore, with expansion into Tamil Nadu and Telangana (10-15 new branches). Key risk: rapid geographic expansion into southern states may pressure asset quality and operational metrics if underwriting standards are not maintained.