SRG Housing Finance Ltd. benchmarking: Performance to industry peers

Financial

	SRG Housing	Reliance Home Financ	GIC Housing Fin
Operational Metrics
Banks
Net Interest Margin	10.72 %	3.8 %	3.32 %
Capital to Risks Assets Ratio (CRAR)	38.99 %	-3992.56 %	33.56 %
Tier I Capital	38.6 %	-3992.56 %	n/a
NBFC
Cost To Income Ratio	64.1 %	35.0 %	67.77 %
Cost of Borrowing	11.01 %	9.0 %	7.97 %
AUM - NBFC	943.93 Crs	11857.0 Crs	n/a
Gross NPA	1.83 %	0.9 %	4.52 %
Net NPA	0.68 %	41.03 %	1.99 %
Financials
5 yr Average ROE	14.64 %	594.52 %	10.12 %
5yr average Equity Multiplier	3.81	-48.31	6.33
5yr Average Asset Turnover Ratio	0.19	1.71	0.1
5yr Avg Net Profit Margin	20.57 %	-132.59 %	15.85 %
5yr Avg Net Profit Margin	20.57 %	-132.59 %	15.85 %
5yr CAGR Net Profit	5.31 %	140.45 %	-1.56 %
5yr CAGR Sales	15.05 %	36.36 %	-1.19 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.48	0.0	0.41
P/E	13.53	4.49	5.95
Shareholdings
Promoter Holding	59.03 %	0.74 %	42.41 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.2 %	-48.84 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SRG Housing	Reliance Home Financ	GIC Housing Fin
Loan Break-Up	Loan Break-Up Home loans 70.77 Loan Against Property 29.23	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 87.9 Net gain On Derecognition of Financial Instrument Under Amortized Cost 6.05 NBFC 0 Fees and Commission Income 0 Dividend income 0 Fee and commission 0 Others 6.05	Product Wise Break-Up Interest Income 100.0 Fees and Commission Income 0 0 Fee and commission 0 NBFC 0 Dividend income 0	Product Wise Break-Up Interest Income 97.99 Fees and Commission Income 0 0 Fee and commission 0.48 NBFC 0 Dividend income 0 Others 1.53
Location Wise Break-Up	Location Wise Break-Up Gujarat 39.33 Rajasthan 38.37 Madhya Pradesh 6.44 Maharashtra 0 India 0 Rest of the World 0 Others 15.86	Location Wise Break-Up Rajasthan 0 Maharashtra 0 Madhya Pradesh 0 Rest of the World 0 Gujarat 0 India 100.0	Location Wise Break-Up Rajasthan 0 Maharashtra 0 Madhya Pradesh 0 Rest of the World 0 Gujarat 0 India 100.0
Customer Segment	Customer Segment Self-Employed 78.57 Salaried 21.43 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0	Customer Segment Small & Medium Enterprises (SME) loans 9.18 Corporate Bodies 78.21 Salaried 0 Home loans 12.62 Self-Employed 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 Others 47.6	Borrowings Break-Up Cash Credit 7.09 National Housing Bank 0 Commercial Papers 10.02 Loan From Banks 61.76 Banking 0 Cash Credit Facility 0 Debentures 0 Others 21.13	-
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-
Rural vs Urban	Rural vs Urban Rural 93.87 Urban 6.13 Semi Urban 0	-	-
Segment Wise Break-Up	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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