SRGHFL Q3 FY26 PAT Rises 43% to ₹8.21 Cr, AUM Crosses ₹943 Cr
SRG Housing Finance Limited reported Q3 FY26 results with PAT at ₹8.21 Cr, up 43%. AUM reached ₹943.93 Cr, a 33.42% YoY increase. Total income grew 27.33% to ₹51.25 Cr. NII increased 40.87% to ₹24.23 Cr. The company maintained healthy asset quality with GNPA at 1.83%.
The results show positive growth and strong financial performance, which is material for investors and stakeholders, but it does not involve any major corporate actions like mergers, acquisitions, or significant fundraising that would warrant a 'HIGH' impact.
The company reported significant year-on-year growth in key financial metrics such as PAT, AUM, NII, and PBT, along with a stable or improved asset quality and key ratios.
SRG Housing Finance Limited (SRGHFL) announced its un-audited financial results for the quarter and nine months ended December 31, 2025. The Board of Directors approved these results on February 6, 2026.
For the third quarter of FY26, the company reported a Profit After Tax (PAT) of ₹8.21 crore, a significant increase of 43.03% compared to ₹5.74 crore in the same quarter of the previous fiscal year. Profit Before Tax (PBT) also saw a substantial rise of 44.91% to ₹10.39 crore from ₹7.17 crore. Net interest income (NII) grew by 40.87% to ₹24.23 crore, and Net Interest Margin (NIM) on Gross Average Assets Under Management (AUM) was reported at 2.68%.
The company's Gross Loan Assets (AUM) reached ₹943.93 crore as of December 31, 2025, marking a year-on-year growth of 33.42%. Loan disbursements for the quarter stood at ₹107.34 crore, an increase of 18.02% over the previous year. The Cost to Income ratio improved to 64.07% from 65.40% in Q3 FY25, and the Return on Average Equity (ROAE) was 2.90%.
Asset quality remained robust, with Gross Non-Performing Assets (GNPAs) at 1.83% and Net Non-Performing Assets (NNPAs) at 0.68%. The Capital Adequacy Ratio as of December 31, 2025, was 38.99%. The company highlighted an average loan spread of 9.65% for Q3 FY26. EBITDA for the quarter was ₹32.03 crore, up from ₹25.39 crore in Q3 FY25.
Mr. Vinod K. Jain, Managing Director, expressed satisfaction with the performance, noting the company is nearing its target of ₹1,000 crore AUM. He emphasized the company's focus on maintaining asset quality while scaling up operations, supported by network expansion and capital availability. The average ticket size of loans increased to ₹13 lakh, with an average tenure of around 10 years.
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