SRG Housing Finance (SRG) reported fourth quarter and full year results for the year ended 31 March 2026, with assets under management crossing Rs 10.42 billion, up 37.24 per cent year on year. The company, listed on BSE and NSE, focuses on affordable housing finance in rural and semi?urban markets and reported improved profitability. AUM growth reflected sustained demand in its target markets.

Quarter disbursements were Rs 1.3961 billion and fiscal year disbursements were Rs 4.4354 billion, up 45.44 per cent. Net interest income for the quarter was Rs 280 million, supporting total income which rose 31.88 per cent, while profit after tax grew 49.43 per cent to Rs 92.5 million in the quarter and 33.16 per cent to Rs 324.9 million for the year.

Asset quality remained stable with gross non performing assets at one point seven seven per cent and net non performing assets at zero point six five per cent. Return on assets was three point one eight per cent and return on average equity was 11.59 per cent. Capital adequacy ratio was 38.62 per cent and cost to income ratio improved to 64.56 per cent.

Loan book remained weighted to housing loans and self employed borrowers, with about 95.09 per cent of assets in rural and semi?urban areas. Average ticket size rose to 1.544 million due to geographic expansion and higher construction costs while the company maintained focus on the affordable segment. Outstanding borrowings were Rs 8.5691 billion at year end with banks and financial institutions as principal lenders.

SRG operated 96 branches across six states and one union territory at the year end and added seven new branches in the subsequent period. Management indicated it would pursue growth backed by prudent underwriting and a well capitalised balance sheet. Results and the analyst presentation are available on the investor relations section of the company website.