SRGHFL

SRG Housing Finance Limited

Affordable housing finance company offering home loans and LAP loans

Financial Services›Financial Services›Finance›Housing Finance Company

srghousing.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹111.01
Market cap
174 Cr
Stock P/E
5.1
P/B
0.59
ROE (FY26)
10.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

SRG Housing Finance is a housing finance company that lends to self-employed and new-to-credit borrowers in rural and semi-urban India, with a branch network across Rajasthan, Gujarat and other states.

Company snapshot

13thBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Positives
  • ✓Net margin of 16.3% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income14 Cr15 Cr16 Cr17 Cr—17 Cr20 Cr20 Cr23 Cr24 Cr28 Cr27 Cr
Other income0.98 Cr0.47 Cr0.41 Cr0.21 Cr0.78 Cr1 Cr0.74 Cr0.98 Cr0.64 Cr0.80 Cr0.10 Cr0.08 Cr
Net operating income15 Cr16 Cr17 Cr17 Cr0.78 Cr19 Cr21 Cr21 Cr24 Cr25 Cr28 Cr27 Cr
Employee cost7 Cr7 Cr8 Cr8 Cr9 Cr10 Cr11 Cr12 Cr13 Cr13 Cr14 Cr14 Cr
Other expenses3 Cr4 Cr6 Cr3 Cr4 Cr4 Cr5 Cr4 Cr5 Cr6 Cr7 Cr5 Cr
Provisions & contingencies————————————
Depreciation1 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr1 Cr2 Cr2 Cr1 Cr1 Cr
Profit before tax7 Cr7 Cr8 Cr7 Cr8 Cr7 Cr8 Cr8 Cr10 Cr10 Cr12 Cr10 Cr
Tax %20.1%20.6%20.0%14.9%20.8%19.9%19.3%13.6%20.0%21.0%20.2%15.4%
Net profit5 Cr5 Cr6 Cr6 Cr7 Cr6 Cr6 Cr7 Cr8 Cr8 Cr9 Cr8 Cr
EPS (₹)₹4.05₹4.09₹4.58₹4.38₹4.87₹4.16₹4.43₹4.33₹5.26₹5.23₹5.89₹5.39

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———34 Cr35 Cr41 Cr44 Cr59 Cr72 Cr98 CrSign in free for the trailing twelve months
Other income0.03 Cr0.13 Cr0.16 Cr1 Cr3 Cr1 Cr2 Cr2 Cr3 Cr0.32 CrSign in free for the trailing twelve months
Net operating income0.03 Cr0.13 Cr0.16 Cr35 Cr38 Cr43 Cr47 Cr61 Cr75 Cr99 CrSign in free for the trailing twelve months
Employee cost2 Cr4 Cr7 Cr11 Cr11 Cr14 Cr19 Cr27 Cr37 Cr51 CrSign in free for the trailing twelve months
Other expenses3 Cr5 Cr8 Cr6 Cr7 Cr8 Cr11 Cr15 Cr17 Cr22 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation0.32 Cr0.44 Cr0.55 Cr2 Cr2 Cr2 Cr3 Cr6 Cr7 Cr6 CrSign in free for the trailing twelve months
Profit before tax4 Cr13 Cr20 Cr22 Cr24 Cr26 Cr21 Cr26 Cr30 Cr40 CrSign in free for the trailing twelve months
Tax %32.8%27.1%29.0%20.1%20.8%20.4%18.9%19.3%18.8%19.1%Sign in free for the trailing twelve months
Net profit3 Cr10 Cr14 Cr18 Cr19 Cr20 Cr17 Cr21 Cr24 Cr32 CrSign in free for the trailing twelve months
EPS (₹)₹2.38₹7.40₹10.90₹13.82₹14.49₹15.63₹13.12₹15.87₹17.45₹20.71Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital13 Cr13 Cr13 Cr13 Cr13 Cr13 Cr13 Cr13 Cr16 Cr16 Cr
Reserves21 Cr28 Cr43 Cr62 Cr81 Cr101 Cr120 Cr146 Cr248 Cr281 Cr
Borrowings61 Cr——246 Cr286 Cr287 Cr357 Cr491 Cr584 Cr857 Cr
Other liabilities18 Cr176 Cr270 Cr10 Cr14 Cr18 Cr22 Cr19 Cr21 Cr21 Cr
Total liabilities112 Cr218 Cr326 Cr331 Cr393 Cr418 Cr513 Cr670 Cr869 Cr1,175 Cr
Fixed assets (net)0.75 Cr1 Cr2 Cr1 Cr3 Cr7 Cr24 Cr26 Cr23 Cr20 Cr
CWIP———0.31 Cr2 Cr5 Cr0.16 Cr0.48 Cr0.48 Cr0 Cr
Investments0.32 Cr0.42 Cr0.42 Cr9 Cr26 Cr27 Cr12 Cr9 Cr36 Cr73 Cr
Loans & advances———268 Cr318 Cr332 Cr428 Cr590 Cr747 Cr1,027 Cr
Trade receivables—30 Cr0 Cr—0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Cash & bank26 Cr6 Cr24 Cr9 Cr10 Cr5 Cr4 Cr2 Cr15 Cr7 Cr
Other assets86 Cr180 Cr300 Cr42 Cr35 Cr41 Cr44 Cr43 Cr47 Cr48 Cr
Total assets112 Cr218 Cr326 Cr331 Cr393 Cr418 Cr513 Cr670 Cr869 Cr1,175 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-21 Cr—-48 Cr23 Cr-12 Cr3 Cr-83 Cr-140 Cr-131 Cr-247 Cr
Cash from investing0.23 Cr—-1 Cr-9 Cr26 Cr-6 Cr9 Cr-0.63 Cr-31 Cr-39 Cr
Cash from financing44 Cr—68 Cr-9 Cr2 Cr0.88 Cr73 Cr139 Cr173 Cr273 Cr
Net cash flow23 Cr—18 Cr5 Cr15 Cr-2 Cr-1 Cr-2 Cr10 Cr-13 Cr
Free cash flow (OCF − Capex)-21 Cr—-50 Cr23 Cr-14 Cr-1 Cr-90 Cr-144 Cr-135 Cr-249 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %8.0%23.2%25.4%24.0%20.1%17.9%12.8%13.2%9.2%10.9%
Debt / equity1.780.040.053.283.052.522.683.082.212.89