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SRG Housing Finance

SRGHFL NSE
₹100.97 −0.52 (−0.51%)
P/E
4.64
View as Markdown
MCP
Close 4 Nov 2026 ₹100.97 −189.88 −65.3% 1Y
Start ₹290.85

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

Debt to Equity
2.89
EPS (TTM)
₹21.77
Book Value
₹189.03
Market Cap
—
P/E (TTM)
4.64
P/B
0.53
ROE
11.60%
Dividend Yield
0.00%
52W High
₹335.00
52W Low
₹96.00
Day Range
₹98.00 – ₹105.99
Volume
4,566
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

SRG Housing Finance peer comparison
Bajaj Housing Finance
₹81.4225.21₹65,542 Cr2.820.00%12.10%—₹11,604 Cr₹2,692 Cr
Piramal Finance
₹1,946.20—₹45,625 Cr1.490.58%0.86%6.47%₹13,357 Cr₹1,909 Cr
LIC Housing Finance
₹520.004.98₹28,072 Cr0.651.98%14.40%—₹28,562 Cr₹5,739 Cr
PNB Housing Finance
₹1,082.0011.99₹28,029 Cr1.390.75%12.90%—₹8,700 Cr₹2,350 Cr
Aadhar Housing Finance
₹431.2016.44₹18,689 Cr2.520.00%15.90%—₹3,817 Cr₹1,140 Cr
Sammaan Capital
₹125.98—₹14,065 Cr0.821.67%−3.21%—₹7,418 Cr−₹7,236 Cr
Home First Finance Company
₹1,082.3019.38₹11,147 Cr2.430.49%15.70%—₹1,999 Cr₹581 Cr
SRG Housing Finance (this company)
₹100.974.64₹157 Cr0.530.00%11.60%—₹209 Cr₹34 Cr
Median 8 companies₹475.6014.22₹23,359 Cr1.440.53%12.50%6.47%₹8,059 Cr₹1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

48 Average

Data confidence 94/100

surveillance:ASM1

Category scores

Quality
73
Strong
Returns, margins, earnings quality 22% weight
Valuation
60
Good
Cheap vs sector & own history 24% weight
Growth
64
Good
Sales & profit trajectory 9% weight
Financial Health
37
Poor
Solvency, leverage, coverage 9% weight
Momentum
2
Poor
Trend strength, vol-adjusted 12% weight
Ownership
58
Good
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

3
  • Stock is trading at 0.59 times its book value
  • Company is expected to give good quarter
  • Company's median sales growth is 27.0% of last 10 years

Weaknesses

4
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.2% over last 3 years.
  • Promoter holding has decreased over last 3 years: -8.81%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1144
OscillatorsBullish243
Moving AveragesStrong Bearish901

Key readings

RSI (14)
25.97
Bullish
MACD (12,26,9)
−15.30
Bullish
SMA (50)
156.65
Bearish
SMA (200)
248.59
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+34.93%
5Y+21.03%
3Y+28.62%
1Y+29.03%
TTM+30.60%

Net profit

Net profit growth by window
10Y+31.95%
5Y+10.99%
3Y+23.47%
1Y+33.33%
TTM+35.05%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹15.00 Cr
Mar 2018₹34.00 Cr
Mar 2019₹58.00 Cr
Mar 2020₹73.00 Cr
Mar 2021₹77.00 Cr
Mar 2022₹80.00 Cr
Mar 2023₹94.00 Cr
Mar 2024₹127 Cr
Mar 2025₹155 Cr
Mar 2026₹200 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹3.00 Cr
Mar 2018₹8.00 Cr
Mar 2019₹15.00 Cr
Mar 2020₹18.00 Cr
Mar 2021₹19.00 Cr
Mar 2022₹20.00 Cr
Mar 2023₹17.00 Cr
Mar 2024₹21.00 Cr
Mar 2025₹24.00 Cr
Mar 2026₹32.00 Cr

Quarterly Results

₹ Cr
SRGHFL quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
26.84
30.22
31.74
36.15
33.77
36.06
38.94
42.75
42.62
47.81
50.45
57.24
53.95
Expenses
9.53
10.19
10.86
13.55
11.55
11.96
14.85
17.42
16.65
18.52
19.22
21.62
18.9
Financing Profit
6.38
6.91
7.81
8.91
8.19
9.18
7.58
8.73
9.22
11.19
11.12
12.92
11.16
Fin. Margin %
23.77%
22.87%
24.61%
24.65%
24.25%
25.46%
19.47%
20.42%
21.63%
23.41%
22.04%
22.58%
20.69%
Other Income
0.01
0.98
0.47
0.41
0.21
0.78
1.3
0.74
0.07
0.64
0.8
0.1
0.08
Interest
10.93
13.12
13.07
13.69
14.03
14.92
16.51
16.6
16.75
18.1
20.11
22.69
23.89
Depreciation
1.18
1.31
1.58
1.71
1.52
1.62
1.71
1.79
1.44
1.51
1.53
1.43
1.23
PBT
5.21
6.59
6.7
7.61
6.88
8.33
7.17
7.67
7.85
10.32
10.39
11.59
10.01
Tax %
15.55%
20.21%
20.6%
19.97%
14.83%
20.62%
19.8%
19.4%
13.5%
20.06%
20.98%
20.19%
15.38%
Net Profit
4.39
5.26
5.32
6.09
5.86
6.6
5.74
6.19
6.78
8.25
8.21
9.25
8.47
EPS (₹)
3.38
4.05
4.09
4.58
4.34
4.62
4.01
3.95
4.32
5.26
5.23
5.89
5.39
Gross NPA %
2.47%
2.4%
2.37%
2.29%
2.19%
1.96%
1.98%
1.84%
1.85%
1.88%
1.83%
1.77%
1.73%
Net NPA %
0.49%
0.56%
0.62%
0.69%
0.67%
0.59%
0.61%
0.61%
0.62%
0.64%
0.68%
0.65%
0.63%

Profit & Loss

₹ Cr
SRGHFL profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
7
10
15
34
58
73
77
80
94
127
155
200
209
Expenses
2
3
4
11
15
18
20
22
32
44
56
76
78
Financing Profit
2
3
4
11
20
25
26
28
24
32
37
46
46
Fin. Margin %
34%
28%
30%
34%
34%
34%
34%
34%
26%
25%
24%
23%
22%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
2
Interest
2
4
6
11
23
30
31
31
37
51
62
78
85
Depreciation
0
0
0
0
1
2
2
2
3
6
7
6
6
PBT
2
3
4
11
19
22
24
26
21
26
30
40
42
Tax %
32%
32%
33%
27%
25%
20%
21%
20%
19%
19%
19%
19%
—
Net Profit
2
2
3
8
15
18
19
20
17
21
24
32
34
EPS (₹)
1.36
1.65
2.08
6.22
11.26
13.82
14.48
15.63
13.12
15.83
15.57
20.69
21.77
Div. Payout %
18%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
SRGHFL balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
11
11
13
13
13
13
13
13
13
13
16
16
Reserves
3
5
21
29
44
62
81
101
120
146
248
281
Borrowing
25
41
75
167
255
246
286
287
357
491
584
857
Other Liabilities
1
2
3
9
10
10
14
18
17
19
21
21
Total Liabilities
41
59
112
218
322
331
393
418
508
670
869
1,175
Fixed Assets
0
1
1
1
2
4
3
7
24
27
24
20
CWIP
0
0
0
0
0
0
2
5
1
0
0
0
Investments
0
1
0
0
1
9
26
27
12
9
36
73
Other Assets
41
58
111
216
319
317
363
378
471
635
809
1,082
Total Assets
41
59
112
218
322
331
393
418
508
670
869
1,175

Cash Flow

₹ Cr
SRGHFL cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−10
−13
−24
−90
−66
23
−27
3
−83
−140
−131
−247
Investing
0
−2
0
−1
−1
−9
−19
−6
9
−1
−31
−39
Financing
9
16
44
74
89
−9
40
1
73
139
173
273
Net Cash Flow
−1
2
20
−16
21
5
−6
−2
−1
−2
10
−13
Free Cash Flow
−10
−14
−25
−91
−68
23
−29
−1
−90
−144
−135
−249

Ratios

SRGHFL financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
11%
12%
11%
21%
30%
27%
22%
20%
14%
14%
12%
12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view SRG Housing Finance insights

59 extracted metrics across FY10–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 59.97%
  • Public 26.21%
  • Others 13.82%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about SRG Housing Finance

What does SRG Housing Finance Ltd do?
SRG Housing Finance Ltd, established in 1999, is an NHB-registered housing finance company focused on affordable housing finance for rural and semi-urban borrowers. Products cover home purchase, self-construction, renovation, extension and Loan Against Property (LAP).
Where is SRG Housing Finance Ltd (SRGHFL) listed?
SRG Housing Finance Ltd trades as SRGHFL on the NSE and under code 534680 on the BSE.
Which sector does SRG Housing Finance Ltd belong to?
SRG Housing Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the PE ratio of SRG Housing Finance Ltd?
SRG Housing Finance Ltd trades at a PE ratio of 4.64 as of 4 Nov 2026, on earnings per share of ₹21.77, against a book value of ₹189.03 per share.
What is the 52-week high and low of SRG Housing Finance Ltd?
Over the last 52 weeks SRG Housing Finance Ltd has traded between ₹96 and ₹335 as of 4 Nov 2026.
What is the Return on Equity (ROE) of SRG Housing Finance Ltd?
SRG Housing Finance Ltd reported a return on equity of 11.60%. Its debt-to-equity ratio is 2.89.

Company Information

SRG Housing Finance Ltd, established in 1999, is an NHB-registered housing finance company focused on affordable housing finance for rural and semi-urban borrowers. Products cover home purchase, self-construction, renovation, extension and Loan Against Property (LAP). Company serves 25,000+ customers through 96 branches.

Website srghousing.com
CEO Mr. Archis Jain
Employees 866
Listed 21 Aug 2023
Face Value ₹10

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