SRG Housing Finance Ltd Q4 FY26 Results & Concall Highlights: Revenue, Margins & Order Book
Published 28 May 2026 | Finance | Market Cap: ₹456 Cr
The company aims to double its AUM from INR 1042 crores to around INR 2000-2500 crores within the next 2.5 to 3 years. SRG Housing Finance aims to double its AUM from INR 1,042 crores in FY26 to approximately INR 2,000-2,500 crores within the next 2.5 to 3 years.
From SRG Housing Finance Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Price
₹264
Market Cap
₹456 Cr
P/E Ratio
13.3
Revenue Rank
Margin Rank
How does SRG Housing Finance Ltd rank in Finance?
Compare SRG Housing Finance Ltd against every Finance company this quarter on revenue, margins and earnings-call signals.
📊 Revenue & Sales Performance
Rank 2- →The company aims to double its AUM from INR 1042 crores to around INR 2000-2500 crores within the next 2.5 to 3 years.
- →Long-term vision includes expanding the loan book to INR 10,000 to 20,000 crores.
- →Disbursements target INR 600 crores for the current financial year, supporting AUM growth to approximately INR 1400-1500 crores.
- →Expansion into newer states like Maharashtra, Tamil Nadu, Andhra Pradesh, Karnataka, and Telangana with 10-15 new branches planned.
- →Growth driven by increased branches, operational efficiency, technology integration, and underwriting discipline.
- →Profit after tax has shown a 33-50% year-on-year growth recently, reflecting strong revenue growth.
- →Cost of borrowing expected to decline marginally, supporting margin stability.
- →Continued strong demand in the underserved rural and semi-urban affordable housing finance segment fuels growth potential.
📈 Profitability & Margins
Rank 3- →SRG Housing Finance aims to double its AUM from INR 1,042 crores in FY26 to approximately INR 2,000-2,500 crores within the next 2.5 to 3 years.
- →Long-term vision includes scaling the AUM to between INR 10,000 crores and INR 20,000 crores in the coming years.
- →Profit after tax showed a strong 33% YoY growth in FY26, indicating healthy earnings momentum.
- →Operational efficiencies and scale are expected to improve, with AUM per branch and employee increasing, supporting overall profitability.
- →NIMs are maintained around 11%, with stable cost of borrowing expected to marginally improve.
- →ROE is targeted around 18% in the coming years, up from approximately 12-13% currently.
- →Growth supported by geographic expansion, technology integration, and strong collection infrastructure.
- →Equity raise likely within next 1-2 years to support scaling beyond 5-6x leverage.
🏗️ Capital Expenditure Plans
Yes- →SRG Housing Finance is currently focusing on expanding its branch network, especially in southern states like Maharashtra, Andhra Pradesh, Karnataka, Tamil Nadu, and Telangana, targeting 10-15 new branches in these states by the end of the year.
- →There is significant investment in technology, including continuous development of their own ERP system and integration of AI to improve operational efficiency and reduce turnaround time; these IT initiatives are still underway with no major cost incurred yet.
- →Future capital raising plans include potential equity infusion in Q4 FY26 or early FY27 to support scaling beyond current leverage levels (5x-6x), especially as AUM grows toward INR 2000-2500 crores in the next 2-3 years.
- →Long-term vision targets an AUM growth to INR 10,000 - 20,000 crores, implying substantial future capital and strategic investment in infrastructure and human resources to support such expansion.
💰 Fundraising & Capital Structure
Yes- →SRG Housing Finance plans to raise additional equity once leverage crosses 5x–6x, as banks usually limit leverage to this range.
- →Equity raising is expected possibly in Q4 FY27 or in the first or second quarter of the following year, depending on leverage visibility.
- →The company has strengthened its funding sources after the recent rating upgrade, with multiple channels now supporting growth (including banking channels, equity markets, and NCD investors).
- →There is no immediate challenge foreseen in terms of funding or business expansion due to diversified funding sources.
- →Cost of borrowing is expected to slightly decline over the next 1-2 years, reflecting improved liability profile.
- →No specific new debt issuance was mentioned, but continued support from NCD investors and banks is in place.
📋 Order Book & Pipeline
Yes- →As of FY 2026, SRG Housing Finance's Assets Under Management (AUM) stands at approximately INR 1,042 crores, reflecting strong growth from INR 28 crores in 2014.
- →The company targets to double the AUM to around INR 2,000 to 2,500 crores within the next 2.5 to 3 years.
- →They aim for a long-term vision of building an AUM book between INR 10,000 crores to INR 20,000 crores, with clarity expected within the next two years.
- →Disbursements for the current year are targeted at roughly INR 600 crores, expected to grow AUM to around INR 1,400 to 1,500 crores.
- →Expansion plans include launching 10 to 15 new branches in southern states like Tamil Nadu and Telangana, alongside growth in existing states to support scaling.
- →The company is well-capitalized with a capital adequacy ratio of 38.62% and plans for equity raising once leverage crosses 5x-6x to support AUM growth.
Key Metrics
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Frequently Asked Questions
What were SRG Housing Finance Ltd Q4 FY26 results?
The company aims to double its AUM from INR 1042 crores to around INR 2000-2500 crores within the next 2.5 to 3 years. SRG Housing Finance aims to double its AUM from INR 1,042 crores in FY26 to approximately INR 2,000-2,500 crores within the next 2.5 to 3 years.
What is SRG Housing Finance Ltd share price analysis?
SRG Housing Finance Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 13.3 with a market cap of ₹456 Cr. Investors should review the full earnings analysis for detailed insights.
Is SRG Housing Finance Ltd planning capital expenditure?
SRG Housing Finance is currently focusing on expanding its branch network, especially in southern states like Maharashtra, Andhra Pradesh, Karnataka, Tamil Nadu, and Telangana, targeting 10-15 new branches in these states by the end of the year.
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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.