SRG Housing Finance Ltd (SRGHFL) Share Price & Fundamentals

What we do

SRG Housing Finance Ltd is a Rajasthan-based housing finance company specializing in retail home loans and loans against property, primarily serving rural and underserved customers.

Founded in

1,999

Market share

Leading player in Rajasthan's housing finance, expanding presence in 7 states with growing AUM reaching Rs 944 crore by 2025.

Problem solved

Facilitates access to affordable housing finance for new-to-credit, underserved, and unorganized rural customers with simple documentation and quick approvals.

Top clients or who we serve

Mainly retail customers in rural and semi-urban India, especially non-salaried self-employed borrowers seeking small-ticket home loans and loans against property (B2C).

Key management

Managing Director Vinod Kumar Jain with 25+ years of experience; leadership includes CIO and recognized BFSI professionals.

Our journey and innovations

Founded in 1999; first NHB license in Rajasthan in 2002; migrated from BSE SME to Main Board in 2015; launched digital platform 'SRG Srajan' in 2019; rapidly expanded branches to 95 by 2026.

Where we operate

Operations in Rajasthan, Gujarat, Maharashtra, Madhya Pradesh, Karnataka, Andhra Pradesh, and Delhi spanning 95 branches.

Top products or what we offer

Home loans for construction, purchase, repair, and renovation; loan against property; focus on small-ticket loans with low loan-to-value ratios.

Top brands

SRG Srajan digital platform for loan processing; small-ticket rural housing loans with 97% EMI payments through banking channels.

Raw materials needed

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Raw materials supplier

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Recurring vs cyclical contribution

Revenue primarily from recurring interest income on housing loans, supplemented by fees and other income.

Our industry position

Recognized as a BBB+ rated housing finance company with growing market footprint and sound asset quality metrics.

Financial highlights

FY25 Revenue Rs 154.53 Cr; Profit after Tax Rs 24.39 Cr; AUM Rs 759 Cr (FY25) and Rs 944 Cr (Q3 FY26); consistent profit growth about 15-16% YoY.

Geographical revenue split

Majority revenue from Rajasthan and Gujarat, with expanding contributions from Maharashtra, Madhya Pradesh, Karnataka, Andhra Pradesh, and Delhi.

Order book

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Whats driving growth

Expansion of branch network, focus on rural underserved segments, strong loan disbursement growth, and digital transformation via SRG Srajan.

Our future plans

Expand branch network beyond 95; grow AUM above Rs 1000 Cr; leverage technology and diversify lending to deeper rural markets.

Our green promise

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Our people and values

950+ employees fostering a customer-centric culture valuing transparency, quick service, and inclusion, with support for women borrowers (95% co-borrowers).

Key challenges ahead

Managing asset quality as portfolio grows, sustaining low NPA levels, and navigating regulatory and competitive pressures in rural finance.

Interesting facts

First Rajasthan company with NHB license; first in India to migrate from BSE SME to main board; women co-borrowers in 95% of loans.

Risks and strategy

Risk mitigated by strong credit policies, location-based lending, continuous monitoring, and maintaining capital adequacy above 47% as per RBI norms.