Investor Presentation

Date: August 11, 2026 To, To, National Stock Exchange of India Ltd B S E L i m i t e d Exchange Plaza, C-1, Block G, 1 s t F l o o r , P . J . T o w e r s , Bandra Kurla Complex, D a l a l S t r e e t , Mumbai-400051 M u m b a i - 4 0 0 0 0 1 Scrip Symbol- SRGHFL Scrip Code- 534680 Subject: Earnings Presentation – Q1FY27 Dear Sir, Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 please find enclosed herewith a copy of Earnings Presentation of the Company on the Un- Audited Financial Results for the Quarter ended June 30, 2026. For ease of presentation and global comparability, financial figures in this presentation have been presented in Million INR unless otherwise specified. The Earnings presentation is also made available on Company’s website www.srghousing.com This is for your information and records. Please take note of the same. Thanking You, With Regards For SRG Housing Finance Limited Divya Kothari Company Secretary M No A57307 Enclosed – a/a Earnings Presentation Q1-FY27 Q1-FY27 Snapshot INR 10,764 Mn INR 672 Mn 25,000+ 7 96 AUM Disbursement No. of Customers States/UT Branches 1,000+ Long term Rating: 38 10.21% 10.77% “A- (Stable)” by No of Lenders NIM Borrowing Cost No. of Employees ACUITE 39.21% 1.73% 0.63% 2.83% 11.25% Capital Adequacy GNPA NNPA ROAA ROAE Ratio Strong Growth Trajectory AUM (INR Mn) ~36% CAGR 10,422 7,594 6,016 4,384 3,254 3,400 2,803 2,742 2,003 264 387 533 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 PAT (INR Mn) ~32% CAGR 325 203 211 180 188 12 15 19 27 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 COMPANY OVERVIEW SATIN CREDITCARE NETWORK LTD. Company Overview AUM and Total Net Income (INR Mn) • Established in 1999, SRG Housing Finance Limited (SRG) is among the early NHB-registered HFCs in Rajasthan focused on underserved rural and semi- urban borrowers. 10,422 10,764 7,594 • SRG offers diversified affordable housing products including home purchase, 6,016 self-construction, renovation, extension and LAP loans. 759 925 1,220 301 • The company operates through 96 branches across 6 states and 1 UT. FY24 FY25 FY26 Q1-FY27 AUM Total Net Income • SRG serves 25,000+ customers through a 1,000+ employee base and a predominantly in-house sourcing model. • Supported by 38 lenders including SBI, HDFC Bank and LIC Housing Finance Q1-FY27 AUM Mix with improving institutional relationships. • Nearly 97% collections are routed through automated banking channels, LAP 27% enhancing operational efficiency and collection quality. • Around 88% sourcing is done through field-based relationship managers, enabling deeper rural penetration and underwriting strength. Housing Loan 73% From Underserved to Empowered: Impact of SRG Vision: To be the trusted partner in empowering homeownership in rural and semi-urban areas; creating a better future through accessible housing finance. IMPACT CREATED Mission: To be a catalyst for homeownership by delivering innovative and customer-focused financial services tailored to the unique needs of our customer segment. Impact Created Key Differentiators 25,000+ Customers Served Deep Rural Penetration Focused on underserved & new-to-credit borrowers Hub-and-spoke branch model with localized underwriting approach Low Risk Business Model Rural Loan Book Small-ticket secured loans with low LTV (<50%) Deep penetration in Tier 3/4 & semi-urban markets Fast Turnaround Time Self-Employed Customers Quick sanctions and disbursements with simplified documentation Strong expertise in informal income assessment Technology-Led Operations 96 Branches Technology initiatives under SRG SRAJAN program Expanding presence with localized execution Strong Collection Infrastructure Automated collections, field tracking & continuous portfolio monitoring EMI Collections through Banking Channels Diversified Funding Relationships Improves collection efficiency by reducing manual collection dependency 36 lender relationships including PSU banks, private banks & NHB 95%+ Women Co-borrowers Experienced Management Team Supporting financial inclusion & household ownership Leadership with deep expertise across housing finance Building a sustainable and scalable housing finance franchise through deep underwriting, localized execution and disciplined risk management Product Portfolio HOUSING LOANS LOAN AGAINST PROPERTY (LAP) AUM INR 7,854 Mn INR 2,911 Mn Rural self-employed — New to Rural self-employed borrowers who own residential Target Customers credit, underserved and unorganized or commercial property and need credit for business borrowers. expansion, working capital, or personal requirements Average Lending Rate 18.84% 19.99% Average Ticket Size Up to INR 12.47 Lakhs Up to INR 15.13 Lakhs Average LTV 53.62% 48.30% Asset Quality GNPA: 1.64% GNPA: 1.97% Rural & semi-urban India Rural & semi-urban India Market Focus across 7 states & UT across 7 states & UT As on Q1-FY27 Geographical Presence Delhi No. of Branches Rajasthan Madhya 6+1 Gujarat Pradesh States + UT Maharashtra Andhra Pradesh Karnataka GUJARAT (25) MAHARASHTRA (13) KARNATAKA (6) MADHYA PRADESH (13) RAJASTHAN (35) • Ahmedabad • Mehsana • Ahmednagar • Solapur • Bangalore • Alot • Asind • Jaipur • Sabla • Anand • Morbi • Amravati • Virar • Chitradurga • Ashta • Banswara • Jaitaran • Sagwara • Bayad • Nadiad • Aurangabad • Devengere • Badnawar • Beawar • Jobner • Salumber • Bharuch • Navsari • Jalgaon • Kolar • Dewas • Begun • Jodhpur • Shahpura • Bhavnagar • Palanpur • Kalyan • Mysore • Indore • Bhilwara • Kekri (Bhilwara) • Bhuj • Rajkot • Kolhapur • Tumkur • Khandwa • Bijainagar • Kishangarh • Shahpura • Botad • Surat • Mumbai • Mandsaur • Chittorgarh • Kota (Jaipur) • Gandhidham • Surendranagar • Nashik ANDHRA PRADESH (3) • Nagda • Chomu • Mandalgarah • Sirohi • Gandhinagar • Vadodara • PCMC Pune Branch • Kurnool • Neemuch • Deoli • Nimbhaer • Sojat • Himmatnagar • Valsad • Pune Cluster Office • Nellore • Ratlam • Dhariyawad • Pali • Sumerpur • Jamnagar • Vapi • Satara • Vijayawada • Sehore • Dungarapur • Partapur • Udaipur • Junagarh • Vyara • Shamgarh • Fatehnagar • Rajsamand DELHI (1) • Kapadvanj • Ujjain • Gangapur • Reengus • Delhi Diversified Borrowing Profile Public Sector Banks Private Sector & Other Banks Product wise Borrowing Mix (%) Refinance, NCDs, Secured Term Loans, NBFC & Financial Institutions Lender wise Borrowing Mix (%) NCDs, Financial Institutions Banks & / NBFC , NHB, 58% Supported by a diversified lender network comprising 4 PSBs, 13 private & other banks and 19 financial institutions. All Figures as of Q1-FY27 Healthy Asset-Liability Management Profile Extract of Liquidity as on 30th June, 2026 Particulars Amount (INR Mn) Cash and Bank Balance* 66 Investment in Bonds, Mutual Fund, Shares and FD 824 Unutilized CC and OD Limit 35 Undrawn Sanctions - TOTAL 925 * Cash and Bank Balance does not include FDR amounting to INR 114 Mn pledged with lenders. ALM Profile, Jun’26 (INR Mn) 3,656 3,651 3,645 2,338 2,004 1,246 993 1,018 542 613 493 501 0-3 Months 3-6 Months 6 Months - 1 Years 1-3 Years 3-5 Years >5 Years Outflow Inflow Q1-FY27 PERFORMANCE SATIN CREDITCARE NETWORK LTD. Q1-FY27 Key Performance Indicators Particulars Q1-FY27 Q1-FY26 Y-o-Y Q4-FY26 Q-o-Q AUM (INR Mn) 10,764 7,954 35.3% 10,422 3.3% Disbursement (INR Mn) 672 800 (16.0)% 1,396 (51.9)% New Approvals (INR Mn) 585 812 (28.0)% 1,713 (65.8)% NII (INR Mn) 270 204 32.4% 280 (3.6)% PAT (INR Mn) 85 68 25.0% 93 (8.6)% Gross Yield* (%) 19.23% 21.86% (263) Bps 20.40% (117) Bps Cost of Borrowing* (%) 10.77% 11.03% (26) Bps 10.88% (11) Bps NIM* (%) 10.21% 10.48% (27) Bps 11.28% (107) Bps Opex Ratio* (%) 6.69% 9.10% (241) Bps 7.68% (99) Bps Cost to Income Ratio (%) 66.47% 67.48% (101) Bps 63.14% 333 Bps ROAA* (%) 2.83% 3.08% (25) Bps 3.24% (41) Bps ROAE* (%) 11.25% 10.16% 109 Bps 12.64% (139) Bps GNPA (%) 1.73% 1.85% (12) Bps 1.77% (4) Bps NNPA (%) 0.63% 0.62% 1 Bps 0.65% (2) Bps Leverage Ratio (x) 2.92x 2 [Showing first 8,000 characters — download PDF for full document]