SRG Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	SRG Housing	Reliance Home Financ	Star Housing Finance
Operational Metrics
Banks
Net Interest Margin	10.72 %	3.8 %	7.69 %
Capital to Risks Assets Ratio (CRAR)	38.99 %	-3992.56 %	50.55 %
Tier I Capital	38.6 %	-3992.56 %	50.11 %
NBFC
Cost To Income Ratio	64.1 %	35.0 %	58.47 %
Cost of Borrowing	11.01 %	9.0 %	12.78 %
AUM - NBFC	943.93 Crs	11857.0 Crs	569.86 Crs
Gross NPA	1.83 %	0.9 %	1.84 %
Net NPA	0.68 %	41.03 %	1.49 %
Financials
5 yr Average ROE	14.64 %	-878.44 %	4.96 %
5yr average Equity Multiplier	3.81	-48.31	2.99
5yr Average Asset Turnover Ratio	0.19	1.71	0.13
5yr Avg Net Profit Margin	20.57 %	-132.59 %	12.04 %
5yr Avg Net Profit Margin	20.57 %	-132.59 %	12.04 %
5yr CAGR Net Profit	5.31 %	140.45 %	48.06 %
5yr CAGR Sales	15.05 %	36.36 %	43.51 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.43	0.0	0.35
P/E	13.55	4.11	7.7
Shareholdings
Promoter Holding	59.06 %	0.74 %	17.65 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.17 %	-48.84 %	-6.37 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SRG Housing	Reliance Home Financ	Star Housing Finance
Loan Break-Up	Loan Break-Up Home loans 69.85 Loan Against Property 30.15	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 86.8 Net gain On Derecognition of Financial Instrument Under Amortized Cost 6.88 NBFC 0 Fees and Commission Income 0 Others 6.32	Product Wise Break-Up Fees and Commission Income 0 Interest Income 100.0 0 NBFC 0	-
Location Wise Break-Up	Location Wise Break-Up Rajasthan 40.02 Gujarat 39.58 Madhya Pradesh 7.13 Maharashtra 0 India 0 Tamil Nadu 0 Others 13.27	Location Wise Break-Up Madhya Pradesh 0 Gujarat 0 Tamil Nadu 0 Rajasthan 0 India 100.0 Maharashtra 0	Location Wise Break-Up Madhya Pradesh 10.0 Gujarat 5.0 Tamil Nadu 5.0 Rajasthan 7.0 India 0 Maharashtra 69.0 Others 4.0
Customer Segment	Customer Segment Self-Employed 77.5 Salaried 22.5 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0 Self Employed 0	Customer Segment Home loans 12.62 Small & Medium Enterprises (SME) loans 9.18 Salaried 0 Self Employed 0 Self-Employed 0 Corporate Bodies 78.21	Customer Segment Residential Mortgage 0 Small Business Lending 0 Salaried 15.0 Self-Employed 85.0 Self-Employed 0 Corporate Bodies 0
Borrowings Break-Up	Borrowings Break-Up Banking 46.46 National Housing Bank 5.94 Cash Credit Facility 0 Debentures 0 Commercial Paper 0 Cash Credit 0 Term Loan 0 0 Term loans from banks and FI`s 0 Others 47.6	Borrowings Break-Up Cash Credit Facility 0 Loan From Banks 61.76 Cash Credit 7.09 National Housing Bank 0 Commercial Papers 10.02 0 Banking 0 Term loans from banks and FI`s 0 Debentures 0 Others 21.13	Borrowings Break-Up Cash Credit Facility 0 Term Loan 0 Cash Credit 0 National Housing Bank 0 Commercial Paper 0 0 Banking 0 Term loans from banks and FI`s 0 Debentures 0 Others 100
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-
Rural vs Urban	Rural vs Urban Rural 92.08 Urban 7.92 Semi Urban 0	-	Rural vs Urban Urban 18.0 Rural 82.0 Semi Urban 0
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	Segment Wise Break-Up Financing 100.0
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-

SRG Housing Finance Ltd.

SRG Housing Finance Ltd.

Financial

Business

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