Sg Finserve Limited · NSE:SGFIN
Sg Finserve — Q4 FY26 Earnings Presentation
24 slides from Sg Finserve's earnings presentation, Apr 16, 2026
Slide 1: Filing cover letter to stock exchanges
SG Finserve Limited Date: April 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 Mum
Slide 2: Investor Presentation Q4/FY26: Turning Momentum into Leadership
SG FINSE₹VE INVESTOR PRESENTATION Q4/FY26 Turning Momentum into Leadership
Slide 3: Safe Harbour
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
Slide 4: Contents of the Presentation
SG FINSE₹VE SECTION 1: PERFORMANCE UPDATE • Milestones FY’26 • Our Growth Partners • Performance Quarter-on-Quarter • Performance Year-on-Year • FY26 at a Glance • Financial Snapshot CONTENTS OF SECTION 2: FUTURE READY THE PRESENTATION • Focus – Scalability & Sustainability • Our Presence • Our Key
Slide 5: Performance Update
Section 1 PERFORMANCE UPDATE Empowering Businesses, Strengthening SUPPLY CHAINS SG Finserve Limited | Investor Presentation Page 03
Slide 6: Milestones FY2026
SG FINSE₹VE ₹25,000 Cr+ 1.65 Lakh+ ₹1,460 Cr+ GROSS DISBURSEMENTS INVOICES FINANCED NET WORTH* YoY 40%+ YoY 25%+ YoY 40%+ 1.9x 4.8% 12.0% NIL DEBT/TNW RoA RoE NPAs (RoA/RoE is calculated basis avg. AUM/Equity) MILESTONES FY2026 01 Part of APL Apollo Group 05 Rated AA (CE) / A1+ by ICRA (Group’s flag
Slide 7: Our Corporate Partners
SG FINSE₹VE OUR CORPORATE PARTNERS SG Finserve Limited | Investor Presentation Page 05
Slide 8: Our Banking Partners
SG FINSE₹VE OUR BANKING PARTNERS SG Finserve Limited | Investor Presentation Page 06
Slide 9: Quarter on Quarter Performance Q4/FY26
SG FINSE₹VE QUARTER ON QUARTER (₹ Cr) PERFORMANCE Q4/FY26 Q3/FY26 23% 23% 3,936 106 3,210 86 Loan Book Operating Income Loan Book Operating Income 30% 30% 56 42 43 32 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax SG Finserve Limited | Investor Presentation Page 07
Slide 10: Year on Year Performance FY26
SG FINSE₹VE YEAR ON YEAR (₹ Cr) PERFORMANCE FY26 FY25 75% 96% 3,936 334 2,246 170 Loan Book Operating Inome Loan Book Operating Income 56% 58% 172 128 110 81 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax SG Finserve Limited | Investor Presentation Page 08
Slide 11: FY'26 at a Glance
SG FINSE₹VE (₹ Cr) 25,368 3,936 334 GROSS DISBURSEMENTS LOAN BOOK TOTAL INCOME FY’26 2,704 1,460 NIL AT A GLANCE TOTAL DEBT EQUITY NPA (%) 199 172 128 NET INTEREST INCOME PROFIT BEFORE TAX PROFIT AFTER TAX SG Finserve Limited | Investor Presentation Page 09
Slide 12: Financial Snapshot
SG FINSE₹VE (₹ Cr) FINANCIAL SNAPSHOT Particulars Q4/FY26 Q3/FY26 Q-o-Q Q4/FY25 Y-o-Y FY26 FY25 Y-o-Y Change (%) Change (%) Change (%) Interest Income 99.2 84.3 18% 52.2 90% 320.2 164.8 94% Fee/Other Income 6.5 1.6 306% 1.9 242% 13.5 5.5 145% Total Income 105.7 85.8 23% 54.1 95% 333.7 170.3 96% Inte
Slide 13: Future Ready
Section 2: FUTURE READY Sustainable Growth & Disciplined PROFITABILITY SG Finserve Limited | Investor Presentation Page 11
Slide 14: Focus: Scalable & Sustainable Growth
SG FINSE₹VE FOCUS SCALABLE & SUSTAINABLE GROWTH DEEPENING & WIDENING Deeper Mining of New Product Existing Customers 01 06 Launches 02 05 Acquisition of Strategic New Customers Partnerships 03 04 Deep Tier Financing Tight Control on Programs Credit Cost SG Finserve Limited | Investor Presentation Pa
Slide 15: Our Presence & Expanding India
NORTH OUR PRESENCE AMRITSAR SOLAN MANDI GOBINDGARH & EXPANDING JALANDHAR CHANDIGARH LUDHIANA DEHRADU N DELHI NCR JAIPUR AGRA GUWAHATI LUCKNOW INDORE KANPUR WEST EAST AHMEDABAD RANCHI KOLKATA VADODARA SURAT BHUBANESHWAR AURANGABAD RAIPUR NAGPUR MUMBAI PUNE HYDERABAD Our Head Count: 78 BENGALURU OUR C
Slide 16: Key Target Market – Downstream Ecosystem
SG FINSE₹VE KEY TARGET MARKET – DOWNSTREAM ECOSYSTEM Buyers Large B2B Small B2B Distributors Dealers & Retailers Individual Enterprises Enterprises & Traders Sub-Dealers Consumers Strengthening PSUs & Government Presence Suppliers Large Indian & MNC Manufacturers Emerging Manufacturers Strong White-
Slide 17: Guidance
SG FINSE₹VE 1 2 GROWTH, RETURNS & ASSET PRODUCT EXPANSION & QUALITY SUPPLY CHAIN LEADERSHIP GUIDANCE • AUM: 25 - 30% CAGR • Scale Supply Chain Finance & • PAT: 30 - 35% CAGR Deep Tier Financing Supply Chain Finance continues to • RoA: 4.5% - 5.0% • Strengthen Factoring, Invoice • RoE: 14% - 16% Fina
Slide 18: Leadership Team
Section 3: LEADERSHIP TEAM SG Finserve Limited | Investor Presentation Page 16
Slide 19: Eminent Board
SG FINSE₹VE DEEPAK GOYAL ROHAN GUPTA Chairperson Director EMINENT BOARD Consisting of experienced and SMT. ASHA ANIL AGGARWAL SHRI HSU KAMATH SHRI G. JAGANMOHAN RAO reputed industry leaders Ex-Chief Principal Commissioner Income Tax Dept. Ex-CMD Vijaya Bank & ED Canara Bank Ex-Principal CGM Reserve
Slide 20: Our Experience Bandwidth
SG FINSE₹VE VINAY GUPTA ABHISHEK MAHAJAN LALIT GUPTA CHIEF EXECUTIVE OFFICER CHIEF RISK OFFICER CHIEF BUSINESS OFFICER OUR EXPERIENCE BANDWIDTH The company has leadership with domain expertise SANJAY RAJPUT VIVEKANAND TIWARI LAKSHAY DUDEJA CHIEF FINANCE OFFICER CHIEF OPERATING OFFICER CHIEF COMPLIAN
Slide 21: Our Experience Bandwidth
SG FINSE₹VE RENU RAI KUSH MISHRA KSHITIZ SEHGAL CHIEF PEOPLE OFFICER COMPANY SECRETARY HEAD TREASURY OUR EXPERIENCE BANDWIDTH The company has appointed experienced Bankers AMIT AGRAWAL SIKANDER ALAM MOHD RASHID QIDWAI Co-HEAD – CORPORATES Co-HEAD – CORPORATES BUSINESS HEAD - MSMEs (West & South) (No
Slide 22: Thank You!
THANK YOU! If you have any further queries, reachout to us: +91-120-4041400 info@sgfinserve.com
Slide 23: Press Release: Financial Results for Year Ended 31st March 2026
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 qua
Slide 24: Press release: balance sheet, strategy and contacts
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, acqu