Sg Finserve Limited · NSE:SGFIN
Sg Finserve — Q1 FY27 Earnings Presentation
22 slides from Sg Finserve's earnings presentation, Jul 14, 2026
Slide 1: SG Finserve Limited exchange filing cover letter
SG Finserve Limited Date: July 14, 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 Mumb
Slide 2: Investor Presentation Q1/FY27
INVESTOR PRESENTATION Q1/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
CONTENTS OF THE REPORT SECTION 1: SECTION 2: SECTION 3: PERFORMANCE UPDATE FUTURE READY CORE MANAGEMENT • Milestones Q1’FY27 • Focus - Scalability & Sustainability • Eminent Board • Performance Quarter On Quarter • Our Key Target Market • Our Experience Bandwidth • Performance Year On Year • Our Pre
Slide 5: Performance Update
01. Section PERFORMANCE UPDATE Empowering Businesses, Strengthening SUPPLY CHAINS SG Finserve Limited | Investor Presentation Page 03
Slide 6: Milestones Q1/FY 2027
MILESTONES Q1/FY 2027 GROSS DISBURSEMENTS LOAN BOOK NET WORTH ₹7,300 Cr+ ₹4,550 Cr+ ₹1,535 Cr+ DEBT/TNW RoA RoE NPA <2.2x 5.1% 14.0% NIL (RoA/RoE is annualized, calculated basis avg. AUM, avg. Equity) ❖ Part of APL Apollo Group (Group’s flagship co., APL Apollo Tubes Limited is India’s largest struc
Slide 7: Quarter on Quarter Performance
QUARTER ON QUARTER PERFORMANCE (₹ Cr) Q1/FY27 Q4/FY26 Loan Book Operating Income Loan Book Operating Income 4,552 16% 136 29% 3,936 106 01 02 01 02 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax 72 27% 54 27% 56 42 03 04 03 04 SG Finserve Limited | Investor Presentation Page 0
Slide 8: Year on Year Performance
YEAR ON YEAR PERFORMANCE (₹ Cr) Q1/FY27 Q1/FY26 Loan Book Operating Income Loan Book Operating Income 4,552 82% 136 100% 2,504 68 01 02 01 02 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax 72 111% 54 119% 34 25 03 04 03 04 SG Finserve Limited | Investor Presentation Page 06
Slide 9: Q1/FY'27 at a Glance
(₹ Cr) 4,552 82 136 LOAN BOOK NET INTEREST TOTAL INCOME INCOME Q1/FY’27 AT A GLANCE 72 54 1,539 PROFIT BEFORE PROFIT AFTER EQUITY (EOP) TAX TAX 32% NIL CRAR NPA (%) SG Finserve Limited | Investor Presentation Page 07
Slide 10: Financial Snapshot
FINANCIAL SNAPSHOT (₹ Cr) Particulars Q1/FY27 Q4/FY26 Q-o-Q Q1/FY26 Y-o-Y FY26 RoA Tree Change (%) Change (%) Q1/Y27* Interest Income 128.9 99.2 30% 64.5 100% 320.2 12.2% Fee/Other Income 7.3 6.5 12% 3.0 139% 13.5 0.7% Total Income 136.2 105.7 29% 67.5 102% 333.7 12.9% Interest Expenses 54.1 42.9 26
Slide 11: Our Corporate Partners
OUR CORPORATE PARTNERS 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
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 New Product Tight Control on New Customers Launches Credit Cost 02 04 06 SG Finserve Limited | Investor Presentation Page 12
Slide 15: Our Key Target Market
OUR 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-label & Co
Slide 16: Our Presence
NORTH OUR PRESENCE AND EXPANDING AMRITSAR SOLAN MANDI GOBINDGARH JALANDHAR CHANDIGARH LUDHIANA DEHRADUN 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: 84 BENGALURU CHEN
Slide 17: Guidance
GUIDANCE SUPPLY CHAIN FINANCE CONTINUES TO BE OUR CORE BUSINESS FOCUS GROWTH, RETURNS & ASSET PRODUCT EXPANSION & Purchase Order A 6 Vendor QUALITY SUPPLY CHAIN LEADERSHIP Financing D 1 Finance • AUM: 25 - 30% CAGR • Scale Supply Chain Finance & Invoice OUR Deep Tier 5B 2 • PAT: 30 - 35% CAGR Deep T
Slide 18: Leadership Team
03. Section LEADERSHIP TEAM SG Finserve Limited | Investor Presentation Page 16
Slide 19: Eminent Board
EMINENT BOARD SMT. ASHA ANIL AGGARWAL SHRI DUKHABANDHU RATH SHRI HSU KAMATH Ex-Chief Principal Commissioner Ex-CGM State Bank of India Ex-CMD Vijaya Bank & Income Tax Dept. ED Canara Bank DEEPAK GOYAL Chairperson Consisting of experienced and reputed industry leaders SHRI RAKESH SHARMA SHRI G. JAGAN
Slide 20: 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 The company has leadership with domain expertise VIVEKANAND TIWARI LAKSHAY DUDEJA RENU RAI KUSH MISHRA CHIEF OPERATING OFFICER CHIEF
Slide 21: Thank You!
THANK YOU! If you have any further queries, reachout to us: +91-120-4041400 info@sgfinserve.com
Slide 22: Press Release: Financial Results for Quarter Ended 30th June 2026
PRESS RELEASE SG FINSERVE LIMITED Financial Results for the Quarter Ended 30th June 2026 PAT of Rs. 53.68 Crore in Q1 FY27, up 119% YoY, 27% QoQ Loan Book at all-time high of Rs. 4,552 Crore • NIL NPAs • RoA 5.1% • RoE 14.0% Noida, 14 July 2026 The Board of Directors of SG Finserve Limited today ann