SRG Housing Finance Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	1,759	1,344	1,095	812.59	729.49
Total Interest Expense	776.6	608.1	496.09	361.24	296.76
Net Interest Income	982.62	735.64	598.88	451.35	432.73
Commissions and Fees	125.42	84.69	56.03	34.5	13.09
Gain (Loss) on Sale of Investments	-	0.66	0.09	1.12	-
Other Revenue	111.99	116.19	115.42	88.01	61.98
Revenue Before Loan Losses	1,220	937.18	770.41	574.98	507.8
Provision for Loan Losses	30.97	16.08	13.96	21.74	3.47
Revenue	1,189	921.1	756.46	553.25	504.32
Revenue Growth (YoY)	29.09%	21.77%	36.73%	9.70%	11.49%
Salaries & Employee Benefits	505.54	374.18	273.02	189.68	138.78
Cost of Services Provided	-	48.74	34.99	23.92	17.98
Other Operating Expenses	222.48	131.16	129.69	93.41	70.37
Total Operating Expenses	787.07	620.53	495.48	341.58	248.84
Operating Income	401.99	300.57	260.98	211.66	255.49
EBT Excluding Unusual Items	401.99	300.57	260.98	211.66	255.49
Gain (Loss) on Sale of Investments	-	-	-	-	-0.19
Other Unusual Items	-	-	-	-1.23	-
Pretax Income	401.46	300.57	260.98	210.43	255.3
Income Tax Expense	76.55	56.62	50.4	39.86	52.08
Net Income	324.91	243.95	210.59	170.57	203.22
Net Income to Common	324.91	243.95	210.59	170.57	203.22
Net Income Growth	33.19%	15.84%	23.46%	-16.06%	7.90%
Shares Outstanding (Basic)	16	14	13	13	13
Shares Outstanding (Diluted)	16	14	14	13	13
Shares Change (YoY)	12.24%	3.64%	2.53%	1.28%	-
EPS (Basic)	20.71	17.45	16.18	13.12	15.63
EPS (Diluted)	20.69	17.44	15.60	12.95	15.63
EPS Growth	18.63%	11.79%	20.46%	-17.15%	7.89%
Free Cash Flow	-2,494	-1,354	-1,439	-897.61	-14.35
Free Cash Flow Per Share	-158.82	-96.81	-106.59	-68.17	-1.10
Operating Margin	33.81%	32.63%	34.50%	38.26%	50.66%
Profit Margin	27.32%	26.48%	27.84%	30.83%	40.29%
Free Cash Flow Margin	-209.74%	-147.05%	-190.23%	-162.25%	-2.84%
Effective Tax Rate	19.07%	18.84%	19.31%	18.94%	20.40%
Revenue as Reported	1,997	1,545	1,267	938.26	804.56

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