Investor Presentation

Date: July 07, 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: Investor Presentation Dear Sir, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Investor Presentation of the company. The financial information included in the presentation is based on the audited financial results for the financial year ended 31 March 2026, which have already been disseminated to the Stock Exchanges. The Investor Presentation is being shared as part of the Company's ongoing investor communication initiatives and does not contain any unpublished price sensitive information. The aforesaid Investor Presentation is also being made available on the 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 Investor Presentation July 2026 FY26 Snapshot INR 1,042 Cr INR 444 Cr 25,000+ 7 96 AUM Disbursement No. of Customers States/UT Branches 980+ Long term Rating: 36 10.91% 10.95% “A-(Stable)” by No of Lenders NIM Borrowing Cost No. of Employees ACUITE 38.62% 1.77% 0.65% 3.18% 11.59% Capital Adequacy GNPA NNPA ROAA ROAE Ratio Strong Growth Trajectory AUM (INR Cr) ~36% CAGR 1,042 325 340 280 274 26.4 38.7 53.3 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 PAT (INR Cr) ~32% CAGR 33 20 21 18 19 1 2 2 3 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 From Underserved to Empowered: Impact of SRG Vision: To be the trusted partner in empowering homeownership in rural and Mission: To be a catalyst for homeownership by delivering innovative and IMPACT CREATED semi-urban areas; creating a better future through accessible housing customer-focused financial services tailored to the unique needs of our finance. 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 94% 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 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 Company Overview SATIN CREDITCARE NETWORK LTD. Company Overview AUM and Total Net Income (INR Cr) • 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. 1,042 • SRG offers diversified affordable housing products including home purchase, 602 self-construction, renovation, extension and LAP loans. 57 76 93 122 • The company operates through 96 branches across 6 states and 1 UT. FY23 FY24 FY25 FY26 AUM Total Net Income • SRG serves 25,000+ customers through a 980+ employee base and a predominantly in-house sourcing model. • Supported by 36 lenders including SBI, HDFC Bank and LIC Housing Finance FY26 AUM Mix with improving institutional relationships. • Nearly 97% collections are routed through automated banking channels, LAP 28% 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 72% Journey over the years 1999 2012 2017 2023 2026 IncorporatedasVitaliseFinlease 1st companyin 1stprivateplacement ListedonNSE(was INR 1,042 cr AUM as on 31 PvtLtd&subsequently changed Rajasthantobe ofEquity Sharesin alreadyonBSE). Mar’26 & Expanded to 96 thenametoSRG Housing listedontheBSE March2017 and 1st branches. Received rating FinancePvtLtd. SMEPlatform privateplacementof upgrade from ACUITE of A- NCDinAugust2017 Stable 2002 2015 2019 2025 1stcompanyinRajasthan India'sfirstcompanyto Launchedbusiness INR 759 crAUMas toreceiveNHB license and migratetotheBSEMain processreengineering on31Mar’25& subsequently converted Board.NotifiedbyMinistry project,“SRGSRAJAN", Expanded into Public company ofFinance tobetreated as and implementation Geographic reach “FinancialInstitution” commenced. across 2 new states under SARFAESIAct 2002 with90branches. Board of Directors ManagingDirector(Promoter) Non-Executive, IndependentDirector 25Years+Experience 35Years+Experience His deep financial acumen, excellent He is a Chartered Accountant. Earlier, he team management capabilities have was associated with the State Bank of enabled him to fuel continued growth India (SBI) and retired as Chief Manager in and innovation, solidifying the Company’s May 2020. Currently, he serves as a position as one of the leading Housing Partner in SCJ Associates and possesses Mr. Vinod Kumar Jain Finance player in India. Mr. Suresh K Porwal deep risk management expertise. Non-Executive, Non-Executive, IndependentDirector Non-IndependentDirector 10Years+Experience 21Years+Experience She holds a Doctorate in Management She brings vast financial knowledge and with a specialization in Capital Markets. possesses excellent leadership, Dr. Jain is also a certified Company management, and organizational skills. Secretary, having completed her professional qualification from the Institute of Company Secretaries of Mrs. Seema Jain Mrs. Krati Jain India (ICSI). Non-Executive, IndependentDirector Non-Executive, 35 Years+Experience Non-IndependentDirector His qualifications include B.SC, 10Years+Experience M.COM, MBA, CAIIB and he has also She is a practicing Company Secretary qualified various courses on Mutual with a Master’s degree in Legislative Funds organized by NISM. He has a wide Law. She has experience of over 10 years experience in the areas of credit, risk in compliance and finance, policy-making management, collection monitoring and corporate governance. Mr. Dilip Kumar Singhvi Mrs. Garima Soni resolving customer grievances etc. Management Team ChiefExecutiveOfficer ChiefFinancialOfficer Mr. Archis Jain holds a Master’s in Family Business Programme from SP Jain School Mr. Ashok Modi has been with the Company since 2012. He has deep of Global Management. He oversees business operations and implementation. His knowledge of the financial system and its various derivatives. He brings over work encompasses monitoring business targets, analyzing opportunities, developing 26 years of experience in audit and strategic planning, specializing in the action plans and ensuring constructive business workflow by adopting modern financial empowerment of individuals technology. He is also an image consultant and a soft-skill trainer. He was awarded and organizations. the Young Achiever of the Year at the ABP News BFSI and Most Admired BFSI 27Years+Experience Professional in 2022. 8Years+Experience Mr. Archis Jain Mr. Ashok Modi Chief Business Officer Treasury A seasoned financial services leader with 34+ years of experience across banks, Ms. Sunaina Nag [Showing first 8,000 characters — download PDF for full document]