Sg Finserve Limited · NSE:SGFIN
Sg Finserve — H1 FY27 Earnings Presentation
21 slides from Sg Finserve's earnings presentation, Oct 16, 2026
Slide 1: Cover letter to stock exchanges: earnings presentation and press release
SG Finserve Limited Date: October 16, 2026 To, Secretary National Stock Exchange of India Ltd Listing Department Exchange Plaza, 5th Floor, BSE Limited Plot No. C/1, G Block, Department of Corporate Services Bandra – Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra (E), Dalal Street, Mumbai-400001 M
Slide 2: Investor Presentation H1 / Q2'FY27
SG FINSE VE INVESTOR PRESENTATION H1 / Q2’FY27 Turning Momentum into Leadership
Slide 3: Safe Harbour
SAFE 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 HARBOUR and should not be deemed to constitute or form
Slide 4: Contents of the Report
SG FINSE VE CONTENTS OF THE REPORT SECTION 1: SECTION 2: SECTION 3: PERFORMANCE UPDATE FUTURE READY CORE MANAGEMENT • Milestones H1/Q2’FY27 • Focus - Scalability & Sustainability • Eminent Board • Key Highlights H1/Q2’FY27 • Our Presence • Our Experience Bandwidth • Performance Quarter on Quarter •
Slide 5: Performance Update
01. Section PERFORMANCE UPDATE Empowering Businesses, Strengthening SUPPLY CHAINS SG Finserve Limited | Investor Presentation Page 03
Slide 6: Milestones
15.1% SG FINSE VE MILESTONES ROE Leverage 14.3% 3.7x 13.2% H1’FY27 3.0x 2.8x 3.2x 2.6x 12.0% 2.9x 10.8% GROSS DISBURSEMENTS LOAN BOOK NET WORTH 9.5% Q1'26 Q2'26 Q3'26 Q4'26 Q1'27 Q2'27 ₹16,000 Cr+ ₹5,694 Cr ₹1,598 Cr Return of Equity (ROE) = Quarterly PAT / Average Net Worth Leverage: Total Assets /
Slide 7: Key Highlights H1'FY27
SG FINSE VE KEY HIGHLIGHTS H1’FY27 ❖ PAT grew 112% YoY to reach ₹112 Cr ❖ Loan Book grew 98% YoY to reach ₹5,694 Cr ❖ Scaled Factoring/TReDS and commercialized LAP/Digital Lending products ❖ Over 80% of Loan Book growth is contributed by new customers ❖ Acquired 14 new Anchor corporates ❖ Acquired ~
Slide 8: Quarter on Quarter Performance
SG FINSE VE QUARTER ON QUARTER PERFORMANCE Consolidated (₹ Cr) Q2/FY27 Q1/FY27 Loan Book Operating Income Loan Book Operating Income 5,694 25% 161 18% 4,552 136 01 03 01 03 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax 79 10% 59 9% 72 54 02 04 02 04 SG Finserve Limited | Inve
Slide 9: Year on Year Performance
SG FINSE VE YEAR ON YEAR PERFORMANCE Consolidated (₹ Cr) H1/FY27 H1/FY26 Loan Book Operating Income Loan Book Operating Income 5,694 98% 297 109% 2,878 142 01 03 01 03 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax 151 108% 112 112% 72 53 02 04 02 04 SG Finserve Limited | Inve
Slide 10: Financial Snapshot
FINANCIAL SNAPSHOT Consolidated (₹ Cr) Particulars Q2/FY27 Q1/FY27 Q-o-Q Q2/FY26 Y-o-Y H1/FY27 H1/FY26 Y-o-Y FY26 RoA Tree (%) (%) (%) H1/Y27 Interest Income 152.9 128.9 19% 72.2 112% 281.8 136.7 106% 320.2 12.3% Fee/Other Income 8.0 7.3 10% 2.4 233% 15.3 5.5 178% 13.5 0.7% Total Income 160.9 136.2
Slide 11: Our Key Corporate Partners
OUR KEY CORPORATE PARTNERS New Anchors – H1 V I N F A S T SG Finserve Limited | Investor Presentation Page 09
Slide 12: Our Banking Partners
OUR BANKING PARTNERS SG Finserve Limited | Investor Presentation Page 10
Slide 13: Future Ready
SG FINSE VE 02. Section FUTURE READY VISIBLE Growth Disciplined PROFITABILITY SG Finserve Limited | Investor Presentation Page 11
Slide 14: Scalable, Replicable and Risk-Balanced Growth
SCALABLE, REPLICABLE AND RISK-BALANCED GROWTH 01 03 05 Deeper Mining of Deep Tier Strategic Existing Customers Financing Programs Partnerships Acquisition of Strengthen Tight Control on New Customers Digital infra & Credit Cost 02 Product suit 04 06 SG Finserve Limited | Investor Presentation Page 1
Slide 15: Our Presence
NORTH OUR PRESENCE AND EXPANDING SOLAN AMRITSAR MANDI GOBINDGARH JALANDHAR CHANDIGARH LUDHIANA DEHRADUN DELHI NCR JAIPUR AGRA GUWAHATI LUCKNOW INDORE KANPUR WEST PATNA EAST AHMEDABAD RANCHI JAMSHEDPUR VADODARA KOLKATA SURAT BHUBANESHWAR AURANGABAD RAIPUR MUMBAI VIJAYWADA PUNE NAGPUR HYDERABAD Our He
Slide 16: Guidance
GUIDANCE GROWTH, RETURNS & ASSET QUALITY SUPPLY CHAIN FINANCE CONTINUES ▪ AUM: 25 - 30% CAGR ▪ PAT: 30 - 35% CAGR TO BE OUR CORE BUSINESS FOCUS ▪ RoA: 4.5%+ ▪ RoE: 15%+ ▪ Cost/Income: < 15% ▪ NPAs: NIL Vendor Finance 1 6 Purchase Order Financing FY27 PROGRESS BAR Deep Tier Financing 2 Expand Anchor
Slide 17: Leadership Team
SG FINSE VE 03. Section LEADERSHIP TEAM SG Finserve Limited | Investor Presentation Page 15
Slide 18: Eminent Board
EMINENT BOARD DEEPAK GOYAL ROHAN GUPTA SMT. ASHA ANIL AGGARWAL SHRI HSU KAMATH Ex-Chief Principal Commissioner Ex-CMD Vijaya Bank & Chairperson Director Income Tax Dept. ED Canara Bank Experienced and reputed industry leaders SHRI DUKHABANDHU RATH SHRI RAKESH SHARMA SHRI G. JAGANMOHAN RAO Ex-CGM Ex-
Slide 19: Our Experience Bandwidth
OUR EXPERIENCE BANDWIDTH VINAY GUPTA ABHISHEK MAHAJAN LALIT GUPTA SANJAY RAJPUT CHIEF EXECUTIVE OFFICER CHIEF RISK OFFICER CHIEF BUSINESS OFFICER CHIEF FINANCE OFFICER Leadership with domain expertise VIVEKANAND TIWARI LAKSHAY DUDEJA RENU RAI ANKIT SHARMA CHIEF OPERATING OFFICER CHIEF COMPLIANCE OFF
Slide 20: Thank You!
THANK YOU! If you have any further queries, reach out to us: +91-9266612400 +91-120-4041400 info@sgfinserve.com
Slide 21: Press Release: Consolidated Financial Results Q2 and H1 FY27
PRESS RELEASE SG FINSERVE LIMITED Consolidated Financial Results for the Quarter and Half Year Ended 30th September 2026 Consolidated PAT of Rs. 58.53 Crore in Q2 FY27, up 106% YoY, 9% QoQ H1 FY27 PAT of Rs. 112.20 Crore, up 112% YoY Total Equity of Rs. 1,598 Crore Noida, 16 October 2026 SG Finserve