SRG Housing Finance Ltd.

Financial

	SRG Housing	Monarch Networth Cap	Arman Financial Serv
Operational Metrics
Banking Sector
Net Interest Margin	2.98 %	n/a	13.1 %
Capital to Risks Assets Ratio (CRAR)	32.82 %	n/a	n/a
Tier I Capital	32.4 %	n/a	n/a
NBFC
Cost To Income Ratio	63.66 %	n/a	25.7 %
Cost of Borrowing	11.13 %	n/a	n/a
AUM - NBFC	548.37 Crs	n/a	2437.0 Crs
Gross NPA	2.37 %	n/a	2.83 %
Net NPA	0.62 %	n/a	0.33 %
Financials
5 yr Average ROE	20.13 %	18.56 %	18.36 %
5yr average Equity Multiplier	4.33	3.75	5.65
5yr Average Asset Turnover Ratio	0.19	0.24	0.2
5yr Avg Net Profit Margin	24.08 %	22.16 %	15.95 %
5yr Avg Net Profit Margin	24.08 %	n/a	15.95 %
5yr CAGR Net Profit	3.11 %	n/a	28.83 %
5yr CAGR Sales	10.08 %	n/a	24.88 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.52	7.24	4.51
P/E	18.87	20.82	13.31
Shareholdings
Promoter Holding	68.56 %	55.92 %	22.09 %
Share Pledged by Promoters	0.0	3.21 %	0.0
Change in Promoter Holding (3 Yrs)	7.02 %	-5.42 %	-5.37 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	3.81 %

Business

	SRG Housing	Monarch Networth Cap	Arman Financial Serv
Loan Break-Up	Loan Break-Up Home loans 64.3 Loan Against Property 35.7	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 89.27 Net gain On Derecognition of Financial Instrument Under Amortized Cost 3.4 Insurance 0 Merchant Banking Income 0 Non Banking financial business 0 Wealth Management 0 Broking 0 Fees and Commission Income 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Others 7.33	Product Wise Break-Up Wealth Management 0 Insurance 0.18 Broking 75.77 nbfc 0 0 Gain on Assignment of Financial Assets 0 0 NBFC 1.71 Interest Income 0 Merchant Banking Fees 22.34 Fees and Commission Income 0	Product Wise Break-Up Wealth Management 0 Insurance 0 Broking 0 nbfc 0 0 NBFC 5.97 NBFC 89.39 Non Banking financial business 0 Interest Income 0 Merchant Banking Income 0 NBFC 3.39 Others 1.25
Location Wise Break-Up	Location Wise Break-Up Rajasthan 56.94 Gujarat 31.74 Madhya Pradesh 11.03 Maharashtra 0.29 India 0 Uttar Pradesh 0	Location Wise Break-Up Rajasthan 0 India 100.0 Maharashtra 0 Gujarat 0 Uttar Pradesh 0 Madhya Pradesh 0	Location Wise Break-Up Rajasthan 11.6 India 0 Maharashtra 9.5 Gujarat 27.3 Uttar Pradesh 24.1 Madhya Pradesh 14.9 Others 12.6
Customer Segment	Customer Segment Self-Employed 75.37 Salaried 24.63	-	-
Borrowings Break-Up	Borrowings Break-Up Banking 43.05 National Housing Bank 12.27 Cash Credit Facility 0 Debentures 0 Loan from related parties and others 0 Unsecured Borrowings 0 Loan from Banks 0 Overdraft from HDFC Bank 0 Deposits from Business Associates 0 Loan from ICICI Bank Ltd 0 Securitization 0 DFIs (NABARD, MUDRA & SIDBI) 0 D A 0 ECB 0 NCD 0 NBFC / FI 0 0 Working Capital Loans From Banks 0 From Banks 0 Others 44.68	Borrowings Break-Up 0 Deposits from Business Associates 0 Working Capital Loans From Banks 0 Cash Credit Facility 0 Securitization 0 Unsecured Borrowings 0 D A 0 National Housing Bank 0 DFIs (NABARD, MUDRA & SIDBI) 0 Loan From Banks 3.26 NCD 0 Banking 0 Loan From Banks 84.58 Overdraft from HDFC Bank 0 From Banks 0 Debentures 0 ECB 0 Loan from ICICI Bank Ltd 0 NBFC / FI 0 Others 12.16	Borrowings Break-Up 0 Deposits from Business Associates 0 Working Capital Loans From Banks 0 Cash Credit Facility 0 Securitization 5.69 Unsecured Borrowings 0 D A 19.68 National Housing Bank 0 DFIs (NABARD, MUDRA & SIDBI) 3.2 Loan from Banks 0 NCD 16.08 Banking 0 Loan from related parties and others 0 Overdraft from HDFC Bank 0 Loan From Banks 35.66 Debentures 0 ECB 0 Loan from ICICI Bank Ltd 0 NBFC / FI 19.68 Others 0.01
Rural vs Urban	Rural vs Urban Rural 91.49 Urban 8.51 Semi Urban 0	-	-
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

SRG Housing Finance Ltd.

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