SRG Housing Finance Ltd.

Financial

	SRG Housing	Reliance Home Financ	Star Housing Finance
Operational Metrics
Banking Sector
Net Interest Margin	10.63 %	3.8 %	7.86 %
Capital to Risks Assets Ratio (CRAR)	47.75 %	-3992.56 %	54.65 %
Tier I Capital	47.23 %	-3992.56 %	54.31 %
NBFC
Cost To Income Ratio	67.47 %	35.0 %	58.76 %
Cost of Borrowing	11.11 %	9.0 %	11.5 %
AUM - NBFC	759.4 Crs	11857.0 Crs	520.7 Crs
Gross NPA	1.84 %	0.9 %	1.84 %
Net NPA	0.61 %	41.03 %	1.4 %
Financials
5 yr Average ROE	17.6 %	-878.44 %	5.34 %
5yr average Equity Multiplier	4.03	-48.31	2.56
5yr Average Asset Turnover Ratio	0.19	1.71	0.13
5yr Avg Net Profit Margin	22.39 %	-132.59 %	16.03 %
5yr Avg Net Profit Margin	22.39 %	-132.59 %	16.03 %
5yr CAGR Net Profit	3.22 %	140.45 %	11.99 %
5yr CAGR Sales	11.77 %	36.36 %	31.13 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.81	0.0	2.13
P/E	19.53	14.27	27.6
Shareholdings
Promoter Holding	59.13 %	0.74 %	18.78 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.83 %	-48.84 %	-18.6 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SRG Housing	Reliance Home Financ	Star Housing Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 86.46 Net gain On Derecognition of Financial Instrument Under Amortized Cost 7.01 NBFC 0 Fees and Commission Income 0 Others 6.53	Product Wise Break-Up NBFC 0 Fees and Commission Income 0 0 Interest Income 100.0	-
Loan Break-Up	Loan Break-Up Home loans 73.06 Loan Against Property 26.94	-	-
Location Wise Break-Up	Location Wise Break-Up Rajasthan 44.47 Gujarat 39.11 Madhya Pradesh 8.74 Maharashtra 0 India 0 Tamil Nadu 0 Others 7.68	Location Wise Break-Up Maharashtra 0 Madhya Pradesh 0 Rajasthan 0 India 100.0 Gujarat 0 Tamil Nadu 0	Location Wise Break-Up Maharashtra 65.0 Madhya Pradesh 11.0 Rajasthan 9.0 India 0 Gujarat 5.0 Tamil Nadu 5.0 Others 5.0
Customer Segment	Customer Segment Self-Employed 74.5 Salaried 25.5 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0 Self Employed 0	Customer Segment Self-Employed 0 Home loans 12.62 Self Employed 0 Corporate Bodies 78.21 Salaried 0 Small & Medium Enterprises (SME) loans 9.18	Customer Segment Self-Employed 0 Residential Mortgage 0 Self-Employed 85.0 Corporate Bodies 0 Salaried 15.0 Small Business Lending 0
Borrowings Break-Up	Borrowings Break-Up Banking 49.41 National Housing Bank 11.42 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 39.17	Borrowings Break-Up Banking 0 National Housing Bank 0 0 Cash Credit Facility 0 Commercial Papers 10.02 Cash Credit 7.09 Loan From Banks 61.76 Term loans from banks and FI`s 0 Debentures 0 Others 21.13	Borrowings Break-Up Banking 0 National Housing Bank 0 0 Cash Credit Facility 0 Commercial Paper 0 Cash Credit 0 Term Loan 0 Term loans from banks and FI`s 0 Debentures 0 Others 100
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	-	-
Rural vs Urban	Rural vs Urban Rural 91.49 Urban 8.51 Semi Urban 0	-	Rural vs Urban Urban 18.0 Semi Urban 0 Rural 82.0
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-

SRG Housing Finance Ltd.

SIGN UP FOR FREE