SRG Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	1,599	1,344	1,095	812.59	729.49	670.33
Total Interest Expense	703.32	608.1	496.09	361.24	296.76	297.72
Net Interest Income	896.01	735.64	598.88	451.35	432.73	372.61
Commissions and Fees	112.37	84.69	56.03	34.5	13.09	13.63
Gain (Loss) on Sale of Investments	0.66	0.66	0.09	1.12	-	0.97
Other Revenue	146.1	116.19	115.42	88.01	61.98	81.74
Revenue Before Loan Losses	1,155	937.18	770.41	574.98	507.8	468.96
Provision for Loan Losses	29.96	16.08	13.96	21.74	3.47	16.61
Revenue	1,125	921.1	756.46	553.25	504.32	452.36
Revenue Growth (YoY)	26.78%	21.77%	36.73%	9.70%	11.49%	7.77%
Salaries & Employee Benefits	480.32	374.18	273.02	189.68	138.78	113.67
Cost of Services Provided	48.74	48.74	34.99	23.92	17.98	19.08
Other Operating Expenses	171.2	131.16	129.69	93.41	70.37	61.64
Total Operating Expenses	762.91	620.53	495.48	341.58	248.84	214.61
Operating Income	362.27	300.57	260.98	211.66	255.49	237.74
EBT Excluding Unusual Items	362.27	300.57	260.98	211.66	255.49	237.74
Gain (Loss) on Sale of Investments	-	-	-	-	-0.19	-
Other Unusual Items	-	-	-	-1.23	-	-
Pretax Income	362.27	300.57	260.98	210.43	255.3	237.74
Income Tax Expense	67.93	56.62	50.4	39.86	52.08	49.4
Net Income	294.34	243.95	210.59	170.57	203.22	188.34
Net Income to Common	294.34	243.95	210.59	170.57	203.22	188.34
Net Income Growth	21.19%	15.84%	23.46%	-16.06%	7.90%	4.81%
Shares Outstanding (Basic)	15	14	13	13	13	13
Shares Outstanding (Diluted)	15	14	14	13	13	13
Shares Change (YoY)	12.23%	3.64%	2.53%	1.28%	-	-
EPS (Basic)	19.13	17.45	16.18	13.12	15.63	14.49
EPS (Diluted)	19.10	17.44	15.60	12.95	15.63	14.49
EPS Growth	8.00%	11.79%	20.46%	-17.15%	7.89%	4.83%
Free Cash Flow	-	-1,354	-1,439	-897.61	-14.35	-293.29
Free Cash Flow Per Share	-	-96.81	-106.59	-68.17	-1.10	-22.56
Operating Margin	32.20%	32.63%	34.50%	38.26%	50.66%	52.56%
Profit Margin	26.16%	26.48%	27.84%	30.83%	40.29%	41.63%
Free Cash Flow Margin	-	-147.05%	-190.23%	-162.25%	-2.84%	-64.83%
Effective Tax Rate	18.75%	18.84%	19.31%	18.94%	20.40%	20.78%
Revenue as Reported	1,859	1,545	1,267	938.26	804.56	766.68

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.