SRG Housing Finance Ltd logo

SRG Housing Finance Ltd

SRGHFL NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹416 Cr
Volatility
Moderate
P/E Ratio
12.14
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
₹224.4

Insights

Beta

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

Log in to view SRG Housing Finance Ltd insights

43 extracted metrics + investor summaries across FY12–FY26.

Log in — free

Tapetide Score

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

Technical Indicators

Key Insights

Strengths

2
  • 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% ↗
Net Income Growth
26.02% ↗
Cash Flow Change
6.17% ↗
ROE
-29.95% ↘
ROCE
-8.04% ↘
EBITDA Margin (Avg.)
-6.54% ↘

Quarterly Results

  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

  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

  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

  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

  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%

Shareholding Pattern

As of Jun 2026
Promoters 59.02%
Public 27.03%
Others 13.96%
Total 100.01%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Aug 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
61.54%
61.54%
64.96%
64.96%
64.96%
64.96%
64.96%
68.23%
68.23%
67.83%
67.83%
67.83%
67.83%
68.56%
67.54%
64.69%
64.79%
59.13%
59.11%
59.11%
59.06%
59.03%
59.02%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.15%
0.00%
0.01%
0.00%
0.00%
0.00%
0.00%
0.01%
0.00%
0.00%
0.00%
0.00%
DIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.58%
0.00%
0.00%
0.00%
0.01%
0.01%
0.01%
0.00%
0.00%
0.00%
0.00%
0.00%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
32.72%
35.51%
31.98%
32.00%
31.97%
31.85%
33.11%
29.83%
29.92%
30.18%
29.51%
28.62%
28.73%
28.57%
29.82%
32.37%
30.85%
27.52%
27.69%
27.59%
27.68%
27.61%
27.03%
Others
5.75%
2.95%
3.06%
3.04%
3.08%
3.20%
1.94%
1.93%
1.84%
1.99%
2.66%
2.81%
3.44%
2.86%
2.64%
2.93%
4.35%
13.34%
13.19%
13.30%
13.26%
13.36%
13.96%
No. of Shareholders
1,477
1,562
1,639
1,665
1,644
1,588
1,679
1,634
1,622
1,580
1,555
1,812
2,366
2,207
2,208
2,245
2,837
2,945
2,682
2,618
2,540
2,624
2,650

Documents

1
Concall - Jun 2017 Jun 2017
2
Concall - Nov 2017 Nov 2017
3
Concall - Nov 2017 Nov 2017
4
Concall - Jan 2018 Jan 2018
5
Concall - Jun 2018 Jun 2018

Frequently Asked Questions about SRG Housing Finance Ltd

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 is listed on the Indian stock exchanges. It is listed on NSE: SRGHFL and BSE: 534680. You can view its live share price, financials, and ratios on Tapetide.
Which sector does SRG Housing Finance Ltd belong to?
SRG Housing Finance Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of SRG Housing Finance Ltd?
SRG Housing Finance Ltd has a market capitalisation of approximately ₹416.14 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of SRG Housing Finance Ltd?
The Price-to-Earnings (PE) ratio of SRG Housing Finance Ltd is 12.14. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of SRG Housing Finance Ltd?
Over the past 52 weeks, SRG Housing Finance Ltd has traded between a low of ₹224.4 and a high of ₹335. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of SRG Housing Finance Ltd?
SRG Housing Finance Ltd has a Return on Equity (ROE) of 9.24%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research SRG Housing Finance Ltd on Tapetide?
On Tapetide, you can view SRG Housing Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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

Explore More

More in Financial Services → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List