SG Finserve Limited has informed the Exchange about Investor Presentation
SG Finserve Limited
Date: April 16, 2026
To, Secretary Listing Department BSE Limited Department of Corporate Services Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai-400001
National Stock Exchange of India Ltd Exchange Plaza, 5th Floor, Plot No. C/1, G Block, Bandra – Kurla Complex, Bandra (E), Mumbai – 400 051
BSE Scrip Code: 539199
NSE Symbol: SGFIN
Dear Sir/Madam,
Sub: Earnings Presentation and Press Release on Audited Financial Result for the quarter and year ended March 31, 2026
In terms of Regulation 30 of the Listing Regulations read with Schedule III to the Listing regulations, please find attached Earnings Presentation and Press Release respectively made by the Company on Audited Financial Results of the Company for the quarter and year ended March 31, 2026.
The same is also available on the website of company i.e. www.sgfinserve.com
Kindly take the same in your record.
Thanking you. For SG Finserve Limited
Kush Mishra Company Secretary & Compliance Officer
SG Finserve Limited (CIN: L64990DL1994PLC057941) Regd. Office: 37, Hargobind Enclave, Vikas Marg, East Delhi, Delhi-110092, Ph.: 0120-4041 400 Corporate Office: - 35-36 Kaushambi, Near Anand Vihar Terminal, Ghaziabad, Uttar Pradesh - 201010 E-mail: info@sgfinserve.com, Website: www.sgfinserve.com
SG FINSE₹VE
INVESTOR PRESENTATION Q4/FY26
Turning Momentum into Leadership
SAFE HARBOUR
This presentation has been prepared by SG Finserve Limited (the “Company”) solely for your information. By accessing this presentation, you agree to be bound by the following restrictions. This presentation is for information purposes only and should not be deemed to constitute or form part of any offer, invitation, or inducement to sell or issue any securities, or any solicitation of any offer to purchase or subscribe for any securities of the Company. Nor shall it or any part of it, or the fact of its distribution, form the basis of, or be relied upon in connection with, any contract or commitment whatsoever. This presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. There is no obligation to update, modify, or amend this communication or notify the recipient in any other manner if the information, opinion, projection, forecast, or estimate set forth herein changes or becomes inaccurate. However, the Company may alter, modify, or otherwise change in any manner the content of this presentation without obligation to notify any person of such change. The financial information in this presentation may have been reclassified and reformatted for clarity. You may also refer to the Company’s financial statements, available at www.sgfinserve.com, before making any decision based on this information. Certain statements in this presentation that are not statements of historical fact constitute forward-looking statements. These forward-looking statements include descriptions regarding the intent, belief, or current expectations of the Company or its directors and officers concerning the results of operations and the Company’s financial condition. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties. Actual results may differ from those in such forward-looking statements due to various factors and assumptions that the Company presently believes to be reasonable based on its operating experience in recent years. However, these assumptions may prove to be incorrect. Potential investors must assess the relevance, accuracy, and adequacy of the information contained in this presentation and must make an independent investigation as they may consider necessary or appropriate. This presentation and its contents are for general information purposes only, without regard to any specific objectives, financial situations, or informational needs of any particular person. They should not be distributed, published, reproduced (in whole or in part), or disclosed by recipients directly or indirectly to any other person.
SG Finserve Limited | Investor Presentation
Page 01
SG FINSE₹VE
CONTENTS OF
THE PRESENTATION
SECTION 1: PERFORMANCE UPDATE
• Milestones FY’26 • Our Growth Partners • Performance Quarter-on-Quarter • Performance Year-on-Year • FY26 at a Glance • Financial Snapshot
SECTION 2: FUTURE READY
• Focus – Scalability & Sustainability • Our Presence • Our Key Target Market • Guidance
SECTION 3: LEADERSHIP TEAM
• The Eminent Board • Our Experience Bandwidth
SG Finserve Limited | Investor Presentation
Page 02
Section 1
PERFORMANCE UPDATE
Empowering Businesses, Strengthening SUPPLY CHAINS
SG Finserve Limited | Investor Presentation
Page 03
SG FINSE₹VE
MILESTONES
FY2026
₹25,000 Cr+
GROSS DISBURSEMENTS YoY 40%+
1.65 Lakh+ INVOICES FINANCED YoY 25%+
₹1,460 Cr+
NET WORTH* YoY 40%+
1.9x DEBT/TNW
4.8% RoA
12.0% RoE
NIL NPAs
(RoA/RoE is calculated basis avg. AUM/Equity)
01
02
03
Part of APL Apollo Group (Group’s flagship co., APL Apollo Tubes Limited is India’s largest structured steel manufacturer)
Achieved all-time high AUM of ₹3,900 Cr+ (Mar’26)
Achieved PAT of ₹128 Cr (in FY26)
04
NSE/BSE listed NBFC
05
Rated AA (CE) / A1+ by ICRA
06
07
08
Strengthened Equity Base with warrant conversion of ₹316 Cr*
Promoters’ Holding surged by ~5% to present ~53%
Commenced new SCF product - Factoring of receivables
SG Finserve Limited | Investor Presentation
*Net Worth is ₹1,481 Cr as on 15-Apr-26 (warrant conversion of ₹21 Cr in Apr’26)
Page 04
OUR CORPORATE
PARTNERS
SG FINSE₹VE
SG Finserve Limited | Investor Presentation
Page 05
OUR BANKING
PARTNERS
SG FINSE₹VE
SG Finserve Limited | Investor Presentation
Page 06
QUARTER ON QUARTER
PERFORMANCE
Q4/FY26
23%
23%
3,936 Loan Book
106 Operating Income
SG FINSE₹VE
(₹ Cr)
Q3/FY26
3,210 Loan Book
86 Operating Income
30%
30%
56 Profit Before Tax
42 Profit After Tax
43 Profit Before Tax
32 Profit After Tax
SG Finserve Limited | Investor Presentation
Page 07
YEAR ON YEAR
PERFORMANCE
FY26
SG FINSE₹VE
(₹ Cr)
FY25
75%
96%
3,936 Loan Book
334 Operating Inome
2,246 Loan Book
170 Operating Income
56%
58%
172 Profit Before Tax
128 Profit After Tax
110 Profit Before Tax
81 Profit After Tax
SG Finserve Limited | Investor Presentation
Page 08
SG FINSE₹VE
(₹ Cr)
25,368
3,936
334
GROSS DISBURSEMENTS
LOAN BOOK
TOTAL INCOME
FY’26
AT A GLANCE
2,704
1,460
NIL
TOTAL DEBT
EQUITY
NPA (%)
199
172
128
NET INTEREST INCOME
PROFIT BEFORE TAX
PROFIT AFTER TAX
SG Finserve Limited | Investor Presentation
Page 09
SG FINSE₹VE
FINANCIAL SNAPSHOT
(₹ Cr)
Particulars
Q4/FY26
Q3/FY26
Q-o-Q Change (%)
Q4/FY25
Y-o-Y Change (%)
FY26
FY25
Y-o-Y Change (%)
Interest Income
Fee/Other Income
Total Income
Interest Expenses
Net Interest Income
Operating Expenses
Impairment on Financial Assets
Profit Before Tax
Income Tax
Profit After Tax
Loan Book
Loan Book (Avg.)
SG Finserve Limited | Investor Presentation
99.2
6.5
105.7
42.9
62.8
6.3
0.3
56.2
13.9
42.3
3,936
3,259
84.3
1.6
85.8
36.4
49.4
5.2
1.2
43.0
10.5
32.5
3,210
2,802
18%
306%
23%
18%
27%
20%
30%
32%
30%
23%
16%
52.2
1.9
54.1
18.6
35.5
7.4
(3.0)
31.1
7.3
23.8
2,246
1,665
90%
242%
95%
131%
77%
-15%
81%
90%
78%
75%
96%
320.2
13.5
333.7
134.5
199.2
25.3
2.4
171.5
43.8
127.7
3,936
2,640
164.8
5.5
170.3
32.0
138.3
20.5
7.7
110.1
29.1
81.0
2,246
1,282
94%
145%
96%
321%
44%
24%
56%
50%
58%
75%
106%
Page 10
Section 2:
FUTURE READY
Sustainable Growth & Disciplined PROFITABILITY
SG Finserve Limited | Investor Presentation
Page 11
FOCUS SCALABLE & SUSTAINABLE GROWTH
DEEPENING & WIDENING
SG FINSE₹VE
Deeper Mining of Existing Customers
Acquisition of New Customers
Deep Tier Financing Programs
01
02
03
06
05
04
New Product Launches
Strategic Partnerships
Tight Control on Credit Cost
SG Finserve Limited | Investor Presentation
Page 12
OUR PRESENCE
& EXPANDING
NORTH
AMRITSAR
JALANDHAR
LUDHIANA
JAIPUR
SOLAN
MANDI GOBINDGARH
CHANDIGARH
DEHRADU N
DELHI NCR
AGRA
LUCKNOW
WEST
INDORE
AHMEDABAD
VADODARA
SURAT
AURANGABAD
Our Head Count: 78 Locations Covered: 30
MUMBAI
PUNE
BENGALURU
MANGALORE
KOCHI
GUWAHATI
EAST
KANPUR
RANCHI
KOLKATA
BHUBANESHWAR
RAIPUR
NAGPUR
HYDERABAD
CHENNAI
OUR CUSTOMERS ARE SPREAD ALL ACROSS INDIA
SG Finserve Limited | Investor Presentation
SOUTH
Page 13
KEY TARGET MARKET – DOWNSTREAM ECOSYSTEM
SG FINSE₹VE
Large B2B Enterprises
Small B2B Enterprises
Distributors & Traders
Dealers & Sub-Dealers
Retailers
Individual Consumers
Buyers
PSUs & Government Suppliers
Large Indian & MNC Manufacturers
Emerging Manufacturers
White-label & Contract Manufacturers
Authorized Distributors & Traders
Modern Retail & E - Commerce
SG Finserve Limited | Investor Presentation
Strengthening Presence
Strong Presence
Not Targeting Yet
Page 14
SG FINSE₹VE
GUIDANCE
Supply Chain Finance continues to be our CORE BUSINESS FOCUS
PRODUCT EXPANSION
Vendor Finance
Dealer/Distributor Finance
Deep Tier Financing
1
2
Factoring & TReDS
3
6
4
Invoice Financing
5
Purchase Order Financing
1
2
GROWTH, RETURNS & ASSET QUALITY
PRODUCT EXPANSION & SUPPLY CHAIN LEADERSHIP
• AUM: 25 - 30% CAGR
• PAT: 30 - 35% CAGR
• RoA: 4.5% - 5.0%
• RoE: 14% - 16%
• Cost/Income: 13% - 17%
• NPAs: NIL
• Scale Supply Chain Finance &
Deep Tier Financing
• Strengthen Factoring, Invoice Financing & TReDS Offering
• Launch Micro LAP & Digital
Lending programs
3
4
PARTNERSHIPS & NEW BUSINESS AVENUES
DIGITAL CAPABILITIES
• Expand into new geographies & deepen existing relationships
• Leverage digital & AI-driven
capabilities
• Strengthen co-lending programs
• Drive underwriting excellence
& strategic partnerships
& collections efficiency
• Explore
adjacent
Financial
Services like ARC, AIF, etc.
SG Finserve Limited | Investor Presentation
Page 15
Section 3:
LEADERSHIP
TEAM
SG Finserve Limited | Investor Presentation
Page 16
SG FINSE₹VE
DEEPAK GOYAL
Chairperson
ROHAN GUPTA
Director
EMINENT BOARD
Consisting of experienced and reputed industry leaders
SMT. ASHA ANIL AGGARWAL
SHRI HSU KAMATH
SHRI G. JAGANMOHAN RAO
Ex-Chief Principal Commissioner Income Tax Dept.
Ex-CMD Vijaya Bank & ED Canara Bank
Ex-Principal CGM Reserve Bank of India
SG Finserve Limited | Investor Presentation
Page 17
SHRI DUKHABANDHU RATH
SHRI RAKESH SHARMA
Ex-CGM State Bank of India
Ex-CGM State Bank of India
SG FINSE₹VE
OUR EXPERIENCE
BANDWIDTH
The company has leadership with domain expertise
VINAY GUPTA
ABHISHEK MAHAJAN
LALIT GUPTA
CHIEF EXECUTIVE OFFICER
CHIEF RISK OFFICER
CHIEF BUSINESS OFFICER
SG Finserve Limited | Investor Presentation
Page 18
SANJAY RAJPUT
VIVEKANAND TIWARI
LAKSHAY DUDEJA
CHIEF FINANCE OFFICER
CHIEF OPERATING OFFICER
CHIEF COMPLIANCE OFFICER
SG FINSE₹VE
OUR EXPERIENCE
BANDWIDTH
The company has appointed experienced Bankers
RENU RAI
KUSH MISHRA
KSHITIZ SEHGAL
CHIEF PEOPLE OFFICER
COMPANY SECRETARY
HEAD TREASURY
SG Finserve Limited | Investor Presentation
Page 19
AMIT AGRAWAL
BUSINESS HEAD - MSMEs
SIKANDER ALAM
MOHD RASHID QIDWAI
Co-HEAD – CORPORATES (West & South)
Co-HEAD – CORPORATES (North & East)
THANK YOU!
If you have any further queries, reachout to us:
+91-120-4041400 info@sgfinserve.com
Press Release from SG Finserve Limited
SG Finserve Limited
FINANCIAL RESULTS FOR THE YEAR ENDED 31ST MARCH 2026 PROFIT AFTER TAX (PAT) | Q4FY26: ₹42.27 Crores| FY26: ₹127.65 Crores
Noida, 16th April 2026: The Board of Directors of SG Finserve Limited today announced the financial results for the quarter and year ended 31st March 2026.
Q4-FY26 vs Q3-FY26 (Quarter on Quarter)
Operating Income of ₹105.65 Crores in Q4FY26 against ₹85.84 Crores in Q3FY26.
Net Interest Income (NII) of ₹62.73 Crores in Q4FY26 against ₹49.44 Crores in Q3FY26.
Profit Before Tax (PBT) of ₹56.21 Crores in Q4FY26 against ₹43.05 Crores in Q3FY26.
Profit After Tax (PAT) of ₹42.27 Crores in Q4FY26 against ₹32.47 Crores in Q3FY26.
FY26 vs FY25 (Year on Year)
Operating Income of ₹333.66 Crores in FY26 against ₹170.26 Crores in FY25.
Net Interest Income (NII) of ₹199.20 Crores in FY26 against ₹138.28 Crores in FY25.
Profit Before Tax (PBT) of ₹171.55 Crores in FY26 against ₹110.16 Crores in FY25.
Profit After Tax (PAT) of ₹127.66 Crores in FY26 against ₹80.99 Crores in FY25.
Management’s Message
We are pleased to announce the financial results of SG Finserve Limited for the year ended 31st March 2026.
We have achieved all-time high Loan Book of ₹3,936 Crore as of 31st March 2026, registering a
strong QoQ growth of 23% and YoY growth of 75%.
Gross Disbursements crossed ₹25,000 Cr during the year registering 40% growth on YoY basis. Profit Before Tax (PBT) grew 30% on QoQ basis and 56% on YoY basis. Profit After Tax (PAT) grew 30% on QoQ basis and 58% on YoY basis.
Supply Chain Financing continues to remain our core business strength which has further strengthened through commercialization of factoring business in March 2026.
During the quarter, we have successfully raised fresh Equity of ₹316 Crore through conversion of share warrants, which has further strengthened our capital structure to augment future growth prospects.
Operationally, we remain a highly disciplined NBFC, with Cost-to-Income of below 15%, and NIL NPAs. For the year ended, we delivered Return on Assets (RoA) of 4.80% and Return on Equity (RoE) of 12% pa.
From a balance sheet perspective, we are well capitalized, with total equity of ₹1,460 Crore as on March 31, 2026, with leverage of 1.9x, providing us good headroom for business growth.
Our strategy is centred on “deepening and widening”- strengthening relationships with our existing customers, acquiring new customers, expanding product offerings, forging strategic partnerships, and exploring adjacent financial services.
For more information, please contact:
Sanjay Rajput CFO
+91-120-4041474
Vinay Gupta CEO
+91-120-4041422