Risks
4 risks
Risk Intelligence
Geographic expansion may pressure asset quality
View Risks →SRG Housing Finance Ltd — Q4 FY26
SRG Housing Finance delivered a strong Q4 FY26 with PAT surging 50% YoY to ₹9 crore, driven by 33% NII growth and stable NIMs of 11.28%.
bullish
high
Financial stats pending filing verification
2-Minute Summary
✦ AI-Generated from Full Transcript
SRG Housing Finance delivered a strong Q4 FY26 with PAT surging 50% YoY to ₹9 crore, driven by 33% NII growth and stable NIMs of 11.28%. AUM expanded 37% YoY to ₹1,042 crore, supported by 45% YoY disbursement growth to ₹443.54 crore. Asset quality improved with GNPA at 1.77% (down 7bps YoY) and NNPA at 0.65%. Operational efficiency gains are visible: AUM per branch rose 29% to ₹10.86 crore 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.
Risks4 trackedTranscriptfull text
Research workspace
Focused Modules
Transcript
Full text
Call Transcript
Full transcript text is available on this route.
Read Transcript →Quarter Snapshot
AUM
₹1,042 crore
+37% YoY
Assets under management grew strongly, driven by 45% YoY disbursement growth.
Disbursements
₹443.54 crore
+45% YoY
Full-year disbursements reflect healthy demand across operating geographies.
GNPA
1.77%
-7bps YoY
Gross non-performing assets improved, indicating stable asset quality.
AUM per branch
₹10.86 crore
+29% YoY
Productivity metric improved, reflecting operational leverage from branch expansion.
Fast read
Guidance and risk preview
Management targets disbursements of approximately ₹600 crore for the current fiscal year, implying ~35% growth over FY26.
Rapid entry into new states (Tamil Nadu, Telangana) could lead to higher delinquencies if underwriting standards are not maintained.
View Risks →