SRG Housing Finance Reports Strong FY26 Performance with AUM Crossing ₹1,042 Crore
SRG Housing Finance Limited (SRG) has released its investor presentation for the financial year ended March 31, 2026, highlighting another year of steady growth, healthy asset quality, and continued expansion in India’s affordable housing finance segment.
The company reported strong growth in its loan portfolio while maintaining low non-performing assets, reflecting disciplined lending practices and a focus on serving underserved borrowers in rural India.
Strong Financial Performance in FY26
SRG Housing Finance continued its growth momentum during FY26, supported by consistent expansion in its affordable housing loan business.
Some of the key financial highlights include:
- Assets Under Management (AUM): ₹1,042 crore
- Profit After Tax (PAT): ₹33 crore
- Gross Non-Performing Assets (GNPA): 1.77%
- Net Non-Performing Assets (NNPA): 0.65%
- Return on Average Assets (ROAA): 3.18%
- Return on Average Equity (ROAE): 11.59%
The company has also delivered a 36% CAGR in AUM and a 32% CAGR in PAT since FY2014, demonstrating long-term business growth.
Credit Rating Upgrade Reflects Financial Stability
During the year, ACUITE Ratings upgraded SRG Housing Finance’s long-term credit rating to A- (Stable).
The rating upgrade reflects the company’s improving financial profile, healthy capital position, and consistent operational performance.
Expanding Financial Inclusion Across Rural India
SRG Housing Finance continues to focus on affordable home financing for customers in semi-urban and rural regions.
The company now serves more than 25,000 customers through a network of 96 branches spread across seven states and Union Territories.
A notable aspect of its portfolio is that approximately 94% of its loan book is concentrated in rural markets, where access to formal housing finance remains limited.
The company also promotes financial inclusion by encouraging joint ownership, with more than 95% of its housing loans involving women as co-borrowers.
Conservative Lending Supports Asset Quality
SRG follows a prudent lending strategy focused on small-ticket secured housing loans.
The company maintains a loan-to-value (LTV) ratio below 50%, providing an additional layer of security while helping maintain low levels of non-performing assets.
This conservative approach has enabled SRG to preserve strong asset quality even as its loan portfolio continues to grow.
Technology and Diversified Funding Strengthen Operations
SRG Housing Finance is also investing in technology to improve operational efficiency through its SRG SRAJAN initiative.
The platform supports faster loan processing, localized credit assessment, and streamlined customer service.
On the funding side, the company has built relationships with 36 lending institutions, providing diversified access to capital for future growth.