SRG Housing Finance logo

SRG Housing Finance

SRGHFL NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹245 Cr
Volatility
Low Risk
P/E Ratio
7.17
EBITDA
₹113 Cr
Return on Equity
9.24%
Debt to Equity
2.54
Book Value
₹189.03
EPS
₹15.6
52W High
₹335
52W Low
₹195

Tapetide Score

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Key Insights

Strengths

3
  • Stock is trading at 0.82 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%

Growth Rate

Revenue Growth
22.32% lower than 3Y
Net Income Growth
26.02% higher than 3Y
Cash Flow Change
6.17% higher than 3Y
ROE
-29.95% lower than 3Y
ROCE
-8.04% higher than 3Y
EBITDA Margin (Avg.)
-6.54% higher than 3Y

Quarterly Results

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
57.23
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
6.58
6.7
7.61
6.88
8.34
7.17
7.68
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 in Rs
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%
Figures in ₹ Crores

Profit & Loss

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
199
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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

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
Figures in ₹ Crores

Cash Flow

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
CFO/OP
-187
-175
-229
-382
-140
52
-38
15
-127
-163
-126
-194
Figures in ₹ Crores

Ratios

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

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Shareholding Pattern

Promot.59.02%Others13.96%Public27.03%As ofJun 2026

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). Company serves 25,000+ c...
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 Finance industry.
What is the market capitalisation of SRG Housing Finance Ltd?
SRG Housing Finance Ltd has a market capitalisation of ₹245.02 Cr, which places it in the Small Cap band.
What is the PE ratio of SRG Housing Finance Ltd?
SRG Housing Finance Ltd trades at a PE ratio of 7.17, on earnings per share of ₹15.6, 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 ₹195 and ₹335.
What is the Return on Equity (ROE) of SRG Housing Finance Ltd?
SRG Housing Finance Ltd reported a return on equity of 9.24%. Its debt-to-equity ratio is 2.54.

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.[1]

Website srghousing.com
CEO Mr. Archis Jain
Employees 866
Listed 2023-08-21
Face Value ₹ 10
Issued Size 1,56,94,588

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