SRG Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	SRG Housing	Star Housing Finance	Reliance Home Financ
Operational Metrics
Banking Sector
Net Interest Margin	10.48 %	7.69 %	3.8 %
Capital to Risks Assets Ratio (CRAR)	47.46 %	50.55 %	-3992.56 %
Tier I Capital	46.92 %	50.11 %	-3992.56 %
NBFC
Cost To Income Ratio	67.48 %	58.47 %	35.0 %
Cost of Borrowing	11.11 %	12.78 %	9.0 %
AUM - NBFC	795.39 Crs	546.58 Crs	11857.0 Crs
Gross NPA	1.85 %	1.65 %	0.9 %
Net NPA	0.62 %	1.13 %	41.03 %
Financials
5 yr Average ROE	14.64 %	5.34 %	-878.44 %
5yr average Equity Multiplier	3.81	2.56	-48.31
5yr Average Asset Turnover Ratio	0.19	0.13	1.71
5yr Avg Net Profit Margin	20.57 %	16.03 %	-132.59 %
5yr Avg Net Profit Margin	20.57 %	16.03 %	-132.59 %
5yr CAGR Net Profit	5.31 %	11.99 %	140.45 %
5yr CAGR Sales	15.05 %	31.13 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.78	1.76	0.0
P/E	18.58	26.68	7.58
Shareholdings
Promoter Holding	59.11 %	18.44 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.85 %	-17.49 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SRG Housing	Star Housing Finance	Reliance Home Financ
Product Wise Break-Up	Product Wise Break-Up Interest Income 89.0 Net gain On Derecognition of Financial Instrument Under Amortized Cost 4.55 NBFC 0 Fees and Commission Income 0 Others 6.45	-	Product Wise Break-Up 0 Interest Income 100.0 Fees and Commission Income 0 NBFC 0
Loan Break-Up	Loan Break-Up Home loans 72.95 Loan Against Property 27.05	-	-
Location Wise Break-Up	Location Wise Break-Up Rajasthan 42.8 Gujarat 38.96 Madhya Pradesh 8.02 Maharashtra 0 Tamil Nadu 0 India 0 Others 10.22	Location Wise Break-Up Tamil Nadu 5.0 Maharashtra 65.0 Madhya Pradesh 11.0 Rajasthan 9.0 India 0 Gujarat 5.0 Others 5.0	Location Wise Break-Up Tamil Nadu 0 Maharashtra 0 Madhya Pradesh 0 Rajasthan 0 India 100.0 Gujarat 0
Customer Segment	Customer Segment Self-Employed 74.38 Salaried 25.62 Self Employed 0 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0	Customer Segment Corporate Bodies 0 Self-Employed 0 Salaried 15.0 Self-Employed 85.0 Small Business Lending 0 Residential Mortgage 0	Customer Segment Corporate Bodies 78.21 Self-Employed 0 Salaried 0 Self Employed 0 Small & Medium Enterprises (SME) loans 9.18 Home loans 12.62
Borrowings Break-Up	Borrowings Break-Up Banking 46.46 National Housing Bank 5.94 Cash Credit Facility 0 Debentures 0 0 Term loans from banks and FI`s 0 Commercial Paper 0 Cash Credit 0 Term Loan 0 Others 47.6	Borrowings Break-Up Banking 0 0 Debentures 0 Commercial Paper 0 Term loans from banks and FI`s 0 Cash Credit Facility 0 Term Loan 0 Cash Credit 0 National Housing Bank 0 Others 100	Borrowings Break-Up Banking 0 0 Debentures 0 Commercial Papers 10.02 Term loans from banks and FI`s 0 Cash Credit Facility 0 Loan From Banks 61.76 Cash Credit 7.09 National Housing Bank 0 Others 21.13
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 92.08 Urban 7.92 Semi Urban 0	Rural vs Urban Rural 82.0 Urban 18.0 Semi Urban 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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