Sg Finserve Limited · NSE:SGFIN
Sg Finserve — Q2 FY2026 Earnings Presentation
28 slides from Sg Finserve's earnings presentation, Oct 14, 2025
Slide 1: SG Finserve Limited - Exchange Intimation Letter
SG Finserve Limited Date: October 14, 2025 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: Press Release: Financial Results Q2 and H1 FY26
Press Release from SG Finserve Limited SG Finserve Limited (SGFL) FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2025 PROFIT AFTER TAX (PAT) | Q2FY26 – INR 28.40 crores| H1FY26- INR 52.92 crores Ghaziabad, 13 th October 2025: The Board of Directors of SGFL today announced the f
Slide 3: H1-FY26 vs H1FY25 (Year on Year)
H1-FY26 vs H1FY25 (Year on Year) Loan Book EOP: Achieved closing Loan Book of INR 2,878 crores vis-a-vis INR 822 crores achieved in H1FY25, growth of 250% y-o-y basis; Average Loan Book: Achieved Average Loan Book of INR 2,386 crores vis-a-vis INR 1,070 crores achieved in H1FY25, growth of 123%
Slide 4: Expanding Our Outreach Digitally - MSME Supply Chain Financing H1 FY26
EXPANDING OUR OUTREACH DIGITALLY MSME SUPPLY CHAIN FINANCING INVESTOR PRESENTATION H1 FY26
Slide 5: 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 6: Fueling India's Supply Chain - One Quarter at a Time
FUELING INDIA’S SUPPLY CHAIN – ONE QUARTER AT A TIME SG FINSERVE LIMITED | INVESTOR PRESENTATION H1FY26
Slide 7: Achievements
Sep 2025 ACHIEVEMENTS Sep 2022 37 MONTHS ANCHORS ONBOARDED LOAN BOOK ₹2,878 CRORE AS OF SEP' 2025 Building Material & IT Peripherals & GROSS DISBURSEMENTS ₹52,228 CRORE Automobile Consumables Mobiles INVOICES FINANCED 4.25 LAKH+ CUSTOMER BASE 1,000+ MSMEs SERVED PROPRIETARY PLATFORM FOR DIGITAL SYST
Slide 8: Q2/FY26 at a Glance
Q2/FY26 AT A GLANCE 5,846 2,878 1,071 1,897 NIL GROSS DISBURSEMENTS LOAN BOOK EOP EQUITY EOP TOTAL DEBT GROSS NPA (%) (INR CRORE) (INR CRORE) (INR CRORE) (INR CRORE) 75 44 38 4.50 10.71 TOTAL INCOME NET INTEREST INCOME PROFIT BEFORE TAX RETURN ON ASSET RETURN ON EQUITY (INR CRORE) (INR CRORE) (INR C
Slide 9: Performance Quarter on Quarter
PERFORMANCE QUARTER ON QUARTER GROSS AVERAGE LOAN LOAN BOOK EOP OPERATING INCOME PROFIT AFTER TAX DISBURSEMENTS BOOK 11% 15% 21% 11% 16% Q2/FY26 Q2/FY26 Q2/FY26 Q2/FY26 Q2/FY26 Q2/FY26 5,846 2,878 2,526 74.72 28.40 (INR Crore) (INR Crore) (INR Crore) (INR Crore) (INR Crore) Q1/FY26 Q1/FY26 Q1/FY26 Q
Slide 10: Performance H1FY26 vs H1FY25
PERFORMANCE H1FY26 VS H1FY25 GROSS AVERAGE LOAN LOAN BOOK EOP OPERATING INCOME PROFIT AFTER TAX DISBURSEMENTS BOOK 39% 250% 123% 91% 58% H1/FY26 H1/FY26 H1/FY26 H1/FY26 H1/FY26 H1/FY26 11,130 2,878 2,386 142.31 52.92 (INR Crore) (INR Crore) (INR Crore) (INR Crore) (INR Crore) H1/FY26 H1/FY26 Q1/FY26
Slide 11: A Snapshot
A SNAPSHOT Q-o-Q Y-o-Y Q2FY26 Q2FY26 Q1FY26 H1FY26 H1FY25 PARTICULARS Change (%) Change ROA TREE Interest Income 72.63 64.80 12% 137.43 73.58 87% 11.50% Fee & Other Income 2.09 2.79 -25% 4.88 0.85 472% 0.33% Operating Income 74.72 67.59 11% 142.31 74.43 91% 11.83% Non - Operating Income - - Total In
Slide 12: Way Forward
WAY FORWARD SG FINSERVE LIMITED | INVESTOR PRESENTATION H1FY26
Slide 13: Journey Ahead
JOURNEY AHEAD Target AUM (Amount in crores) FY 2026 & FY 2027 6000 6000 5000 4000 4000 3000 2326 2878 Q2FY26 2000 1673 1000 0 FY 2024 FY 2025 FY 2026 FY 2027 SG FINSERVE LIMITED | INVESTOR PRESENTATION H1FY26
Slide 14: Key Ingredients - Way Forward: Financial Resource
KEY INGREDIENTS - WAY FORWARD 1. FINANCIAL RESOURCE NAME OF CREDIT PREVIOUS RATED RATING CREDIT RATING 1. Secured equity commitments for an INSTRUMENT RATING AGENCY AMOUNT (Rs. Cr) ACTION ASSIGNED ON additional INR 450 crore through share warrants. Out of this, INR 112 crore Long term Rating on CRIS
Slide 15: Key Ingredients - Way Forward: Blueprint for FY27
KEY INGREDIENTS - WAY FORWARD 2. BLUEPRINT FOR FY27 We have established partnerships with marquee corporates, including the TATA Group, AMNS India, Vedanta, Ashok Leyland, JSW-MG Motors, APL Apollo, Adani Group, Jindal Steel, Kajaria Ceramics, Bajaj Electricals, and Oppo, all of which are market lea
Slide 16: Key Ingredients - Way Forward: Technology Interventions
KEY INGREDIENTS - WAY FORWARD 3. TECHNOLOGY INTERVENTIONS SCORING & CREDIT RATING MODEL - The LIVE proprietary scoring and rating model provides borrower ratings tailored to the underlying anchor, enabling quicker and more accurate credit assessments. CREDIT MONITORING TOOL - An AI-driven Monitoring
Slide 17: About the Company
ABOUT THE COMPANY SG FINSERVE LIMITED | INVESTOR PRESENTATION H1FY26
Slide 18: Significance of Supply Chain Finance for MSMEs
SIGNIFICANCE OF SUPPLY CHAIN FINANCE FOR MSMEs Reduces Dependency on Informal Credit Fuels Business Continuity & Growth SCF offers structured, transparent, and affordable financing Steady cash flow empowers MSMEs to invest in inventory, compared to high-interest informal borrowings. manpower, and op
Slide 19: An Emerging New-Age SG Finserve Limited
AN EMERGING NEW-AGE SG FINSERVE LIMITED Streamlining the Supply Chain Financing and optimising the working capital cycle, ensuring Financial Inclusion for Indian MSMEs by all-round use of technology. Headquartered in Delhi/NCR, India, the Company is a tech enabled RBI registered Non Banking Finance
Slide 20: Our One-Stop Solution
OUR ONE-STOP SOLUTION PLATFORM PRODUCTS & SOLUTIONS SG Finserve Limited act as One-stop solution to cater Loans and Finances primarily includes below: the financing needs of all the stakeholders involved in the supply chain. VENDOR FINANCING DEALER FINANCING SUPPLY CHAIN FINANCING SG FINSERVE LIMITE
Slide 21: Our Presence & Expanding
OUR PRESENCE & EXPANDING WE ARE SPREAD ALL ACROSS INDIA……….. NORTH OUR CUSTOMERS PAN INDIA CHANDIGARH LUDHIANA DEHRADUN DELHI NCR LOAN BOOK O/S 41% JAIPUR AGRA LUCKNOW GUWAHATI (Zone Wise %) KANPUR WEST EAST 1. DELHI/NCR 14. AHEMDABAD AHMEDABAD RANCHI INDORE 2. JAIPUR 15. SURAT KOLKATA VADODARA 3. L
Slide 22: Our Edge in the Space
OUR EDGE IN THE SPACE SG FINSERVE LIMITED | INVESTOR PRESENTATION H1FY26
Slide 23: Eminent Board
EMINENT BOARD The company has a well-established BOARD consisting of experienced and reputed industry leaders, as mentioned below: SMT. ASHA ANIL AGGARWAL SHRI HSU KAMATH SHRI G. JAGANMOHAN RAO SHRI DUKHABANDHU RATH SHRI RAKESH SHARMA Ex-Chief Principal Commissioner Ex-CMD Vijaya Bank & Ex-Principal
Slide 24: Our Experience Bandwidth
OUR EXPERIENCE BANDWIDTH SORABH DHAWAN SAHIL SIKKA ABHISHEK MAHAJAN ANKUSH AGARWAL CHIEF EXECUTIVE OFFICER COO & CFO CHIEF RISK OFFICER CHIEF EXPERIENCE OFFICER 18 YEARS IN CORPORATE BANKING, 16 YEARS IN CORPORATE BANKING, EX- 20 YEARS IN CORPORATE BANKING AND RISK 18 YEARS IN CLIENT SERVICING, EX-K
Slide 25: Established all requisite departments
ESTABLISHED all requisite departments, including Business, Risk & Credit, Operations, Compliance, Human Resources and Finance & Accounts VIVEKANAND TIWARI RENU RAI KUSH MISHRA PRATEEK SOMANI SANJAY RAJPUT CHIEF COMPLIANCE OFFICER CHIEF PEOPLE OFFICER COMPANYSECRETARY HEAD- ANCHOR RELATIONS HEAD FINA
Slide 26: Robust Secured Portfolio
ROBUST SECURED PORTFOLIO 80% of the overall book is secured via Charge on Funded Inventory and Receivables generated by PARTICULARS EXPOSURE (INR Crore) % sale of the same We hold STOP SUPPLY ARRANGEMENT from the SECURED 2507 87% Anchors to STOP supply in case of delay/ default with SG Finserve UNSE
Slide 27: A 100% Digital Platform
A 100% DIGITAL PLATFORM ALGORITHM-BASED DIGITAL CREDIT SCORE (GENERATE HEALTH /CREDIT REPORT) BORROWER - DOCUMENT UPLOADING AUTOMATED DISBURSEMENT OF INVOICES CREDIT APPRAISAL RECEIVED DIRECTLY FROM ANCHORS ERP LIMIT LOADED FOR DISBURSEMENT LIMITS APPROVED DIGITAL LOAN DOCUMENTATION SG FINSERVE LIMI
Slide 28: Thank You
THANK YOU FOR YOUR TIME IF YOU HAVE ANY FURTHER QUERIES, REACHOUT TO US: SORABH DHAWAN SAHIL SIKKA CHIEF EXECUTIVE OFFICER CHIEF OPERATING OFFICER ceo@sgfinserve.com coo@sgfinserve.com +91 - 9903197111 +91 - 9667756414