NEW DELHI: SRG Housing Finance has reported a 24.85% increase in its net consolidated profit for the quarter ending September 30, 2025. The company’s profit after tax reached ₹8.24 crore in Q2 FY26, up from ₹6.60 crore during the same quarter last fiscal, according to a BSE filing.
The net consolidated total income for Q2 FY26 was ₹48.44 crore, reflecting a 31.49% rise from ₹36.84 crore in the same quarter last year.
Vinod K. Jain, managing director, stated, “We maintained our growth trajectory in Q2 FY26, with assets under management (AUM) increasing to ₹866.64 crore, approximately 33% higher year-on-year. Our meticulous underwriting practices and a loan-to-value ratio (LTV) of around 46% continue to support our portfolio quality. Operational efficiency has improved as our cost-to-income ratio stands at 64.22%, compared to 64.80% in Q2 FY25.”
As of September 30, 2025, the company’s net worth was ₹279.23 crore, with a debt-equity ratio of 2.45, total debts to total assets ratio at 0.70, an operating margin of 21.38%, and a net profit margin of 17.03%.
The balance sheet size has reached ₹983.10 crore. The cost-to-income ratio for Q2 FY26 is 64.22%, down from 64.80% in Q2 FY25, while the return on average equity (ROAE) for Q2 FY26 is 3%, compared to 3.56% in Q2 FY25. The capital adequacy ratio as of September 30, 2025, is 42.68%, with a tier-I capital ratio of 42.26% and tier-II capital of 0.41%, and the LTV ratio of AUM is about 46%.
