SRG Housing Finance Limited has informed the Exchange about Investor Presentation

Date: October 30, 2023

To,

National Stock Exchange of India Ltd BSE Limited Exchange Plaza, C-1, Block G, 1st Floor, P.J. Towers, Bandra Kurla Complex, Dalal Street, Mumbai-400051 Mumbai-400001 Scrip Symbol- SRGHFL Scrip Code - 534680

Dear Sir/Madam,

Subject: Investor Presentation- Q2& HY1FY24

Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby provide the Investor Presentation for the quarter and half year ended September 30, 2023.

The investor presentation is also made available on Company’s website www.srghousing.com

Kindly take the same on record.

Thanking You,

With Regards,

Yours faithfully,

For SRG Housing Finance Limited

Divya Kothari Company Secretary M No:- A57307

Encl:- as above.

SRG HOUSING FINANCE LIMITED Investor Presentation – Q2 & H1FY24

Disclaimer

The information contained in this presentation is only current as of its date. Please note that the past performance of the company is not and should

not be considered as, indicative of future results.

This presentation may contain certain statements of future expectations and other forward-looking statements, including those relating to our

general business plans and strategy, our future financial condition and growth prospects and future developments in our sector and our competitive

and regulatory environment. In addition to statements which are forward looking by reason of context, the words ‘may’, ‘will’, ‘should’, ‘expects’,

‘plans’,

‘intends’, ‘anticipates’, ‘believes’, ‘estimates’, ‘predicts’, ‘potential’ or ‘continue’ and similar expressions identify forward looking statements.

All

forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results, performances or events to differ

materially from the results contemplated by the relevant forward looking statement. The factors which may affect the results contemplated by the

forward looking statements could include, amongst others, future changes or developments in (i) the Company’s business,

(ii) the Company’s

competitive environment, and (iii) political, economic, legal and social conditions in India.

The Company assumes no responsibility to publicly amend, modify or revise any forward looking statements on the basis of any subsequent

developments,

information or events or otherwise. Unless otherwise stated in this document,

the information contained herein is based on

management information and estimates.

The information contained herein is subject to change without notice and past performance is not indicative of future results. Company may alter,

modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This

presentation may not be copied and disseminated in any manner.

Investor Presentation

2

01

ABOUT US

Investor Presentation

₹

3

About Us

A strong retail affordable housing finance company with rich expertise and experience. Primarily cater to the underserved rural and semi urban populace in central and western India. Engaged in providing Individual Housing Loans and Loan Against Property and are the first company in Rajasthan to get registered with National Housing Bank (NHB).

Year of Establishment

Presence in India

Our Network

Branches

Investor Presentation

Households Served

Team Strength

AUM as on 30 Sep, 2023

Best in class NIMS – FY23

4

OUR NETWORK

Rajasthan

Banswara, Sagwara, Salumber, Jodhpur, Chittorgarh, Sumerpur, Bijainagar, Udaipur, Jaipur, Sirohi, Rajsamand, Pali, Kishangarh, Kota, Bhilwara, Beawar, Shahpura (Bhilwara), Shahpura (Jaipur), Begun, Jaitaran, Kekri, Gangapur (Bhilwara), Partapur, Sojat, Dhairyawad, Fatehnagar, Nimbhaera, Sabla, Dungarapur, Deoli, Asind, Mandalgarah

Gujarat

Ahmedabad, Surat, Mehsana, Palanpur, Nadiad, Vadodara, Valsad, Bharuch, Himmatnagar, Bhavnagar, Anand, Rajkot, Jamnagar, Navsari, Junagarh

New Delhi

Madhya Pradesh

Mandsaur, Neemuch, Ratlam, Shamgarh, Indore, Ashta, Ujjain, Dewas, Burhanpur, Badnawar, Alot, Khargone, Khandwa, Sehore, Nagda, Sanawad

Maharashtra

Mumbai

Investor Presentation

5

Branches across 5 States/UT

02

Quarterly Highlights

Investor Presentation

6

Key Highlights – Q2 FY24

INR 68.09 Cr.

11.79 %

ever Highest second quarter

disbursement

in

Spread earned in Q2

INR 515.38 Cr.

AUM as on 30 September 2023

INR 110.28

Book Value per share as on 30th September 2023

INR 236.31 Cr.

Loans Disbursed on a TTM basis

INR 143.37 Cr.

Shareholder Funds as on 30 Sep 2023

Investor Presentation

7

Performance Highlights for Q2FY24

Gross Loan Book +39.3% YoY

Loan Disbursal +37.03% YoY

Net Interest Income (NII)

CRAR As on 30th Sep, 2023

GNPA, NNPA

Lending Rate

Loan Spread

Borrowing Cost

Shareholders Fund +16.6% YoY

Return on Avg Equity (ROAE)

Gearing Ratio

Credit Rating BBB (Stable) from CARE

Having listed on BSE in 2012, listed on NSE exchange as well on 21 Aug 2023. Company is now on the main board of both exchanges in India

Investor Presentation Investor Presentation

8

Quarterly Income Statement

Sr .No. 1

Particulars (Rs. Crore) New Approvals

Q2FY24 73.86

Q2FY23 51.47

2 3 4 5

6

7 8

9

10 11

12

13

14

15

16

17 18

19 20

21

22

Disbursements Outstanding Loan Book Interest Income Fees & Other Income

Total Income

Interest Expenditure Other Expenditure

Total Expenditure

Profit Before Tax & Provision Net Interest Income

Provision For SA & NPA

Profit Before Tax

Provision For Taxation & DTL

Profit After Tax

Other Comprehensive Income(Net Of Tax)

Total Comprehensive Income Earning Per Share

Gross NPA Gross NPA Ratio(%)

Net NPA

Net NPA (%)

Investor Presentation

68.09 515.38 26.64 4.56

31.20

13.12 11.30

24.42

6.78 13.52

0.20

6.58

1.32

5.26

0.11

5.37 4.05

12.36 2.40

2.84

0.56

49.69 370.03 19.32 3.58

22.90

8.87 8.05

16.92

5.98 10.85

0.48

5.50

1.11

4.39

0.00

4.39 3.37

9.10 2.46

1.63

0.45

H1FY24 128.55

121.20 515.38 51.17 6.88

58.05

24.05 21.31

45.36

12.69 27.12

0.90

11.79

2.13

9.66

0.14

9.80 7.43

12.36 2.40

2.84

0.51

H1FY23 78.05

75.61 370.03 38.87 5.15

44.02

16.92 15.07

31.99

12.03 21.95

0.61

11.42

2.12

9.30

(0.03)

9.27 7.15

9.10 2.46

2.46

0.42

9

Key Performance Indicators (1/3)

New Approvals (Rs. Crore)

Disbursements (Rs. Crore)

AUM (Rs. Crore)

84.91

73.86

79.14

68.09

51.47

38.97

54.69

49.69

35.97

53.11

370.03

389.57

438.36

474.40

515.38

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Average Ticket Size (Rs. Lakhs)

Average Tenure (Years)

Average LTV (%)

7.84

6.26

5.98

5.09

7.20

6.30

5.93

6.58

6.76

7.12

40.47

41.20

39.94

39.01

38.37

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Investor Presentation

10

Key Performance Indicators (2/3)

Loan book break up - Product Category (%)

Loan book break up - Customer Profile (%)

29.65

30.73

33.86

35.09

35.74

22.93

23.78

23.85

23.61

24.06

70.35

69.27

66.14

64.91

64.26

77.07

76.22

76.15

76.39

75.94

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Housing %

LAP%

State Wise Loan Book (%) 0.39 0.50

0.35

25.82

14.71

28.81

13.32

29.56

12.68

0.53

24.01

15.24

0.30

31.10

11.65

Self Employed %

Salaried%

Gross NPA / Net NPA (%)

2.46

2.56

2.50

2.47

2.40

60.20

58.97

57.48

57.41

56.95

0.45

0.51

0.51

0.49

0.56

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Rajasthan (%)

Madhya Pradesh (%)

Gujarat (%)

Maharashtra (%)

Gross NPA (%)

Net NPA (%)

Investor Presentation

11

Key Performance Indicators (3/3)

Return Ratios (%)

Capital Adequacy (%)

Cost to Income Ratio (%)

37.85

37.56

36.00

33.63

32.03

57.38%

63.79%

61.30% 62.88%

62.50%

3.63%

3.74%

3.18%

3.25%

2.84%

0.98%

0.75%

0.84%

0.82%

0.90%

Q2FY23 Q3 FY23 Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Q2FY23

Q3 FY23

Q4FY23

Q1FY24

Q2FY24

Return on Average Assets (RoAA %)

Return on Average Equity (RoAE %)

Tier I

Tier II

Cost to income Ratio (%)

0.40

0.42

0.44

0.41

0.41

Investor Presentation

12

ALM Profile

Bank Borrowings + Market Borrowings Maturity Profile (Rs. Crore) (as on 30.09.23)

162.31

101.68

64.79

46.93

34.22

2.27

1.33

4.46

12.08

14.65

1 day to 7 days

8 day to 14 days

15 day to 30 days

Over 1 month to 2 months

Over 2 months upto 3 months

Over 3 months to 6 months

Over 6 months to 1 year

Over 1 year to 3 years

Over 3 years to 5 years

Over 5 years & Above

180.0

160.0

140.0

120.0

100.0

80.0

60.0

40.0

20.0

0.0

Investor Presentation

13

03

Business Overview

Investor Presentation

14

Our Journey

India's first company to

2015: migrate to the BSE Main Board.

treated

Notified by Ministry of Finance to be “Financial SARFAESI Institution” Act 2002

as under

2017: 1st equity private placement in March, 2017.

1st private placement of NCD in August, 2017.

2018: Rating BBB in March 2018 ​by Brickwork.

2019: business Launched process re-engineering project, “SRG SRAJAN“.

1999-2012

2015

2016

2017-2019

2022-2023

Incorporated as Vitalise 1999: Finlease and Pvt. subsequently changed the name to SRG Housing Finance Pvt Ltd.

Ltd

2003: 1st company in Rajasthan to receive NHB license.

Converted into public company.

2012: 1st company in Rajasthan to be listed on the BSE SME Platform.

2016: Sanctioned & refinanced from National Housing Bank twice in the same year.

certified 9001:2008 ISO company Quality for Management System of Loan Process.

Rs 340 Cr AUM by 31 Mar’22

Rs 500+ cr AUM by 30 Sep’23

Expanded to 65 branches from 37 branches

Having listed on BSE in 2012, listed on NSE exchange as well on 21 Aug 2023.

Investor Presentation

15

Product Suite

₹

₹

SRG Dream Home Loan

SRG Loan against Property

SRG Home Revision Loan

SRG Construction Loan

SRG Plot Plan

SRG Builder Loan

Investor Presentation

16

Why Borrowers Prefer SRG

Quick sanction and disbursement process (TAT of 15 days)

Prompt response & quick solutions for financial assistance

In-depth rural penetration & localized approach

Simple documentation process

Preferred partner to help fulfil dream in affordable housing

Investor Presentation

17

Addressable Target Market

The Problem Definition & Need Gap Unorganized sector New to credit Low banking habits Underserved population

Total Population

Rural Population (64%)

Total Number of Villages

Total Number of Villages with population > 1000

Credit Hungry Affordable Housing Sector

142.86 Cr

91.43 Cr

5,97,608

2,58,925

INR 1.29 Lac Cr

The Solution – SRG Housing Finance Tailor made products to serve different profiles, penetration, leveraging technology for quick processing, Assessed Income evaluation , geographically difference credit and collection policy,

deeper

market

The Target Segment Population in Rural India who are credit hungry with the following characteristics:

•

•

EWS, LIG & MIG Class of Groups

Age group of 21 – 45 years

• Monthly Net Income of Rs 15,000+

•

•

New to Credit

/ Justified Credit

Bureau Calls

Lack of Income Documentation

Investor Presentation

18

Go To Market Strategy

Channel Partners

•

Individual DSA onboarding • DSA Agencies • Chartered

Accountants • Tele Marketing • Dealer Boards

Leveraging Technologies • Mitra Application for providing Leads of Customer

• Sales Application for

smooth disbursement process

• Digital Execution of

Agreements

Digital Marketing

Search Engine Optimization Social Media Marketing Web Analytics Pay Per Click Compelling Ads

Data Analysis

• Decision making

through data analysis • Cutting edge analytics tools for analysis of behavioural patterns • Artificial Intelligence • Scoring modal for credit assessment

Feet on Street

•

• •

Through Own Sales Team Customer Referrals Connectors Loan Mela Wall Paintings Pamphlet Dist. Canopy

Investor Presentation

19

Digital Ecosystem – SRG SRAJAN

Loan Origination

Loan Management

Loan Collection

Lead Generation & Management

EMI Collection through auto-debit

Customer Application Form

Repayment Monitoring

DPD Bucketing

Pool Allocation

KYC & Documents Validation

Penal Charges Calculation

Field Visits Tracking

Credit Decisioning through Web

Part - Payment / Forclosure

Geo Location Tracking

Loan Disbursement

Bank Reconciliation

Bluetooth Printer for Receipts

Client Servicing

Foreclosure Request

Web & Mobile Application Combination

Add-on Features

Digital KYC verification & cKYC reporting

Online Validation through APIs

Collection Monitoring through Go Collect App

MIS Reporting & Real Time Dashboards

Data Backed Early Warning Signals

Investor Presentation

20

Shareholding Pattern

1

2

3

4

5

Promoter & Promoter Group

FPI

Bodies Corporate, HUF & LLP

Retail

IEPF

Investor Presentation

21

Investor Relations Contact KAPTIFY® Consulting Strategy & Investors Relations | Consulting Tel: +91-845 288 6099 Email: contact@kaptify.in www.kaptify.in

Head Office SRG Housing Finance Ltd 12, Opp Paras JK Hospital, Shubhagpura, Udaipur, Rajasthan 313001, India CIN No:L65922RJ1999PLC015440 Tel: +91-294-2561882 / 2412609 Email: info@srghousing.com www.srghousing.com

Corporate Office 1046, 10th Floor, Hubtown Solaris, N.S. PhadkeMarg, Near East West Flyover, Andheri (E), Mumbai, Maharashtra - 400069.

THANK YOU