SRG Housing

Why is SRG Housing Finance Ltd falling/rising?

As of 01-Sep, SRG Housing Finance Ltd's stock price is at 252.80, down 2.35 (-0.92%), and has significantly underperformed the Sensex. Despite positive financial results, the stock has declined 14.64% year-to-date and shows declining investor participation and trading below key moving averages.

As of 01-Sep, SRG Housing Finance Ltd's stock price is falling, currently at 252.80, reflecting a change of -2.35 (-0.92%). The stock has underperformed the benchmark Sensex, which also saw a decline of -0.92% over the same period. Over the past month, the stock has decreased by 10.56%, significantly worse than the Sensex's decline of 1.47%. Year-to-date, the stock is down 14.64%, compared to a 9.71% drop in the Sensex, and it has experienced a substantial 17.48% decline over the past year, while the Sensex has only fallen by 4.26%.<BR><BR>Today's trading performance indicates that the stock has underperformed its sector by a staggering 98.99%. Additionally, the stock has shown erratic trading patterns, not trading on 5 out of the last 20 days. It is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This trend suggests a lack of momentum and investor confidence.<BR><BR>Investor participation is also declining, as evidenced by a delivery volume of 863 on August 31, which represents a 29.87% drop compared to the 5-day average delivery volume. Although the company has reported positive financial results over the last 12 consecutive quarters, with net sales and profits showing significant growth, the stock's performance has not reflected this positive trend. The stock's return on equity (ROE) is average at 11.5%, and it has a PEG ratio of 0.3, indicating that despite rising profits, the stock is not performing well in the market.<BR><BR>Overall, the combination of poor recent performance, declining investor participation, and trading below key moving averages contributes to the stock's falling price.

Who are in the management team of SRG Housing?

The management team of SRG Housing includes Vinod K Jain (Managing Director), Seema Jain, Garima Soni, Ashok Kabra, Vikas Gupta, Nishant Badala (Independent Directors), Sunaina Nagar, Sureshkumar Kanhiyalal Porwal (Additional Director), and Divya Kothari (Company Secretary & Compliance Officer).

The management team of SRG Housing includes the following individuals:<BR><BR>1. **Vinod K Jain** - Managing Director<BR>2. **Seema Jain** - Director<BR>3. **Ashok Kabra** - Independent Director<BR>4. **Vikas Gupta** - Independent Director<BR>5. **Nishant Badala** - Independent Director<BR>6. **Sunaina Nagar** - Company Secretary<BR>7. **Garima Soni** - Director<BR>8. **Sureshkumar Kanhiyalal Porwal** - Additional Director<BR>9. **Divya Kothari** - Company Secretary & Compliance Officer<BR><BR>If you have any more questions about the company or its management, feel free to ask!

What does SRG Housing do?

SRG Housing Finance Ltd is a micro-cap housing finance company based in Rajasthan, primarily providing home loans. As of June 2026, it reported net sales of ₹52 Cr and a net profit of ₹8 Cr, with a market cap of ₹402 Cr.

Overview: <BR>SRG Housing Finance Ltd is a Housing Finance Company operating in the micro-cap segment, primarily engaged in providing home loans in the State of Rajasthan.<BR><BR>History: <BR>SRG Housing Finance Limited was incorporated in 1999 as 'Vitalise Finlease Private Limited' and changed its name to S.R.G Housing Finance Private Limited in 2000. It became a Public Limited Company in 2004 and adopted the name SRG Housing Finance Limited. The latest quarterly results report net sales and profit for June 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 52 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 8 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 402 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 12.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 2.89 <BR>Return on Equity: 11.51% <BR>Price to Book: 1.35 <BR><BR>Contact Details: <BR>Address: 321 SM Lodha Complex, Near Shastri Circle Udaipur Rajasthan : 313001 <BR>Tel: 91-0294-2561882 <BR>Email: srghousing@gmail.com <BR>Website: http://www.srghousing.com

Who are the peers of the SRG Housing?

Peers of SRG Housing include Can Fin Homes, Aavas Financiers, and INDIA SHELTE FIN, among others. Can Fin Homes leads in 1-year returns at 10.82%, while Reliance Home has the lowest at -62.13%, with SRG Housing at -17.33%.

Peers: The peers of SRG Housing are Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, Reliance Home, Ind Bank Housing, India Home Loans, and Star Housing Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Can Fin Homes, while Good management risk is found at Aavas Financiers and INDIA SHELTE FIN, and the rest have Below Average management risk. Growth is Excellent at INDIA SHELTE FIN, Good at SRG Housing, Average at Can Fin Homes and Aavas Financiers, and Below Average at Repco Home Fin, GIC Housing Fin, Reliance Home, India Home Loans, and the rest. Excellent capital structure is noted at Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, GIC Housing Fin, India Home Loans, and Star Housing Fin, while Good capital structure is found at Can Fin Homes, and the rest have Average or do not qualify.<BR><BR>Return Snapshot: Can Fin Homes has the highest 1-year return at 10.82%, while Reliance Home has the lowest at -62.13%, with SRG Housing's 1-year return at -17.33% being significantly lower than Can Fin Homes but higher than Reliance Home. Additionally, GIC Housing Fin, Reliance Home, and India Home Loans have negative six-month returns.

How big is SRG Housing?

As of 31st August, SRG Housing Finance Ltd has a market capitalization of 402.00 Cr, classifying it as a Micro Cap company, with recent Net Sales of 199.90 Cr and a Net Profit of 34.18 Cr.

As of 31st August, SRG Housing Finance Ltd has a market capitalization of 402.00 Cr, which classifies it as a Micro Cap company.<BR><BR>In the latest four quarters, SRG Housing reported Net Sales of 199.90 Cr and a Net Profit of 34.18 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 263.95 Cr and Total Assets of 863.10 Cr.

Which are the latest news on SRG Housing?

Should I buy, sell or hold SRG Housing Finance Ltd?

Are SRG Housing Finance Ltd latest results good or bad?

SRG Housing Finance Ltd's latest results show strong year-on-year growth with a net profit of ₹8.47 crore, up 24.90%, and a 30.31% increase in net interest income. However, sequential declines in profit and income, along with rising interest expenses, indicate potential challenges ahead, warranting caution from investors.

The latest results for SRG Housing Finance Ltd present a mixed picture. On one hand, the company achieved a net profit of ₹8.47 crore for Q1 FY27, which reflects a strong year-on-year growth of 24.90%. Additionally, net interest income grew by 30.31% year-on-year to ₹52.23 crore, indicating robust top-line growth.<BR><BR>However, there are significant concerns. Sequentially, the net profit declined by 8.43% compared to the previous quarter, and net interest income also fell by 5.38%. This decline suggests that the company's growth momentum is faltering. More troubling is the sharp increase in interest expenses, which surged by 42.62% year-on-year, significantly outpacing income growth and resulting in margin compression. The profit after tax margin has contracted to 16.22% from 16.92% year-on-year, highlighting the impact of rising costs on profitability.<BR><BR>Overall, while the year-on-year growth figures are positive, the sequential declines and rising costs present a challenging outlook for the company. Investors should be cautious and closely monitor the company's performance in the coming quarters.

When is the next results date for SRG Housing Finance Ltd?

The next results date for SRG Housing Finance Ltd is 05 August 2026.

The next results date for SRG Housing Finance Ltd is scheduled for 05 August 2026.

How has been the historical performance of SRG Housing?

SRG Housing has shown consistent growth in net sales, increasing from 67.48 Cr in Mar'21 to 143.32 Cr in Mar'25, with a profit after tax of 24.40 Cr despite rising interest expenses. The company maintains a balanced growth in total assets and liabilities, reflecting a robust performance overall.

Answer:<BR>The historical performance of SRG Housing shows a consistent growth trajectory in net sales and profit metrics over the years.<BR><BR>Breakdown:<BR>SRG Housing has demonstrated significant growth in net sales, increasing from 67.48 Cr in Mar'21 to 143.32 Cr in Mar'25. Other operating income also rose, peaking at 8.19 Cr in Mar'25, contributing to a total operating income of 151.51 Cr for the same period. Total expenditure, excluding depreciation, increased to 117.84 Cr in Mar'25, with employee costs rising notably to 37.42 Cr. Operating profit (PBDIT) reached 36.72 Cr in Mar'25, reflecting a healthy operating profit margin of 23.49%. However, interest expenses surged to 62.04 Cr, resulting in a gross profit (PBDT) of -25.32 Cr. Despite this, profit before tax improved to 30.06 Cr, leading to a profit after tax of 24.40 Cr in Mar'25. The company's total assets grew to 863.10 Cr, with total liabilities also increasing to 863.10 Cr, indicating a balanced growth in both assets and liabilities. Cash flow from financing activities was positive at 172.00 Cr, contributing to a net cash inflow of 10.00 Cr in Mar'25, while the closing cash and cash equivalents stood at 31.00 Cr. Overall, SRG Housing's performance reflects a robust growth pattern in sales and profits, despite increasing interest burdens.

Is SRG Housing overvalued or undervalued?

As of November 21, 2025, SRG Housing is considered overvalued with a PE ratio of 15.54, underperforming the Sensex with a stock return of -16.9%, while its peers show mixed valuations, indicating a shift from very attractive to expensive.

As of 21 November 2025, the valuation grade for SRG Housing has moved from very attractive to expensive, indicating a shift in perception regarding its value. The company is currently considered overvalued. Key ratios include a PE Ratio of 15.54, an EV to EBITDA of 10.44, and a ROCE of 10.32%. <BR><BR>In comparison to its peers, HUDCO has a PE of 16.44 and is categorized as very expensive, while LIC Housing Finance is considered attractive with a PE of 5.45. This suggests that SRG Housing's valuation is on the higher end relative to its peers, which further supports the conclusion of overvaluation. Additionally, SRG Housing has underperformed the Sensex over the past year, with a stock return of -16.9% compared to the Sensex's return of 10.47%, reinforcing concerns about its current pricing.

Is SRG Housing technically bullish or bearish?

As of August 26, 2025, SRG Housing shows a mildly bullish trend overall, supported by the weekly MACD, Bollinger Bands, and OBV, despite some mixed signals from monthly indicators and daily moving averages.

As of 26 August 2025, the technical trend for SRG Housing has changed from sideways to mildly bullish. The weekly MACD indicates a mildly bullish stance, while the monthly MACD is mildly bearish, suggesting mixed signals across time frames. The weekly Bollinger Bands are bullish, supporting the upward trend, and the KST is bullish on a weekly basis but mildly bearish monthly. Moving averages on the daily chart are mildly bearish, which contrasts with the overall mildly bullish trend. Dow Theory shows a mildly bullish stance on the monthly chart, while the OBV is bullish for both weekly and monthly periods. Overall, the current technical stance is mildly bullish, driven primarily by the weekly MACD, Bollinger Bands, and OBV, despite some bearish signals in the moving averages and monthly indicators.

Who are the top shareholders of the SRG Housing?

The top shareholders of SRG Housing include Vinod Kumar Jain with 20.52%, M3 Investment Private Limited at 9.17%, and individual investors holding a combined 27.52%. There are no mutual funds or foreign institutional investors currently involved.

The top shareholders of SRG Housing include the promoters, with Vinod Kumar Jain holding the largest share at 20.52%. The highest public shareholder is M3 Investment Private Limited, which owns 9.17%. Additionally, individual investors collectively hold 27.52% of the company's shares. There are currently no mutual funds or foreign institutional investors (FIIs) holding shares in the company.

What is the bonus history of the SRG Housing?

SRG Housing issued a bonus on May 29, 2014, in the ratio of 2:5, meaning shareholders received two additional shares for every five shares held, with a record date of May 30, 2014.

SRG Housing has a bonus history that includes a notable issue announced on May 29, 2014. The company issued a bonus in the ratio of 2:5, with the record date for this bonus being May 30, 2014. This means that for every five shares held, shareholders received two additional shares as a bonus.

Has SRG Housing declared dividend?

SRG Housing Finance Ltd has declared a 2% dividend, amounting to 0.2 per share, with an ex-date of March 19, 2015. Despite this, the dividend yield is 0%, and total returns have shown significant price appreciation over various periods, particularly in the long term.

SRG Housing Finance Ltd has declared a 2% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 2%<BR>- Amount per share: 0.2<BR>- Ex-date: Mar-19-2015<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -14.47%, the dividend return was 0%, resulting in a total return of -14.47%.<BR><BR>For the 1-year period, the price return was 6.0%, the dividend return was 0%, leading to a total return of 6.0%.<BR><BR>Over the 2-year period, the price return was 60.73%, with a dividend return of 0%, resulting in a total return of 60.73%.<BR><BR>In the 3-year period, the price return was 131.58%, the dividend return was 0%, culminating in a total return of 131.58%.<BR><BR>For the 4-year period, the price return was 68.66%, with a dividend return of 0%, leading to a total return of 68.66%.<BR><BR>In the 5-year period, the price return was 515.64%, while the dividend return was 0%, resulting in a total return of 515.64%.<BR><BR>Overall, SRG Housing Finance Ltd has declared a dividend, but the dividend yield remains at 0%. The total returns over various periods show significant price appreciation, particularly over the longer term, despite the absence of ongoing dividends.