SRG Housing Finance Ltd.

Financial

	SRG Housing	Star Housing Finance	Reliance Home Financ
Operational Metrics
Banking Sector
Net Interest Margin	11.06 %	7.86 %	3.8 %
Capital to Risks Assets Ratio (CRAR)	39.85 %	54.65 %	-3992.56 %
Tier I Capital	39.41 %	54.31 %	-3992.56 %
NBFC
Cost To Income Ratio	65.4 %	58.76 %	35.0 %
Cost of Borrowing	11.11 %	11.5 %	9.0 %
AUM - NBFC	707.47 Crs	538.06 Crs	11857.0 Crs
Gross NPA	1.98 %	1.74 %	0.9 %
Net NPA	0.61 %	1.25 %	41.03 %
Financials
5 yr Average ROE	17.6 %	5.34 %	-878.44 %
5yr average Equity Multiplier	4.03	2.56	-48.31
5yr Average Asset Turnover Ratio	0.19	0.13	1.71
5yr Avg Net Profit Margin	22.39 %	16.03 %	-132.59 %
5yr Avg Net Profit Margin	22.39 %	16.03 %	-132.59 %
5yr CAGR Net Profit	3.22 %	11.99 %	140.45 %
5yr CAGR Sales	11.77 %	31.13 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.59	2.1	0.0
P/E	21.57	27.1	9.05
Shareholdings
Promoter Holding	64.79 %	18.78 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.17 %	-18.6 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SRG Housing	Star Housing Finance	Reliance Home Financ
Loan Break-Up	Loan Break-Up Home loans 71.1 Loan Against Property 28.9	-	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 86.57 Net gain On Derecognition of Financial Instrument Under Amortized Cost 8.38 NBFC 0 Fees and Commission Income 0 Others 5.05	-	Product Wise Break-Up NBFC 0 0 Fees and Commission Income 0 Interest Income 100.0
Location Wise Break-Up	Location Wise Break-Up Rajasthan 52.59 Gujarat 37.73 Madhya Pradesh 9.37 Maharashtra 0.31 Tamil Nadu 0 India 0	Location Wise Break-Up Madhya Pradesh 11.0 Maharashtra 65.0 India 0 Tamil Nadu 5.0 Gujarat 5.0 Rajasthan 9.0 Others 5.0	Location Wise Break-Up Madhya Pradesh 0 Maharashtra 0 India 100.0 Tamil Nadu 0 Gujarat 0 Rajasthan 0
Customer Segment	Customer Segment Self-Employed 74.77 Salaried 25.23 Self Employed 0 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0	Customer Segment Residential Mortgage 0 Salaried 15.0 Small Business Lending 0 Self-Employed 0 Self-Employed 85.0 Corporate Bodies 0	Customer Segment Home loans 12.62 Salaried 0 Small & Medium Enterprises (SME) loans 9.18 Self-Employed 0 Self Employed 0 Corporate Bodies 78.21
Borrowings Break-Up	Borrowings Break-Up Banking 49.41 National Housing Bank 11.42 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 39.17	Borrowings Break-Up Cash Credit 0 Term loans from banks and FI`s 0 Banking 0 National Housing Bank 0 0 Cash Credit Facility 0 Commercial Paper 0 Term Loan 0 Debentures 0 Others 100	Borrowings Break-Up Cash Credit 7.09 Term loans from banks and FI`s 0 Banking 0 National Housing Bank 0 0 Cash Credit Facility 0 Commercial Papers 10.02 Loan From Banks 61.76 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 91.49 Urban 8.51 Semi Urban 0	Rural vs Urban Semi Urban 0 Rural 82.0 Urban 18.0	-
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	Segment Wise Break-Up Financing 100.0	-

SRG Housing Finance Ltd.

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