Sg Finserve Limited · NSE:SGFIN
Sg Finserve — Q3 FY26 Earnings Presentation
24 slides from Sg Finserve's earnings presentation, Jan 23, 2026
Slide 1: Cover letter to stock exchanges
SG Finserve Limited Date: January 23, 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 Q3/9M FY26
INVESTOR PRESENTATION Q3/9M FY26
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: Empowering Businesses, Strengthening Supply Chains
EMPOWERING BUSINESSES, STRENGTHENING SUPPLY CHAINS SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 02
Slide 5: Journey So Far
Dec 2025 JOURNEY SO FAR Sep 2022 40 MONTHS GROSS DISBURSEMENTS ₹58,000 Cr+ Part of APL Apollo Group (Group’s flagship co., APL Apollo Tubes Limited is India’s largest structured steel manufacturer) INVOICES FINANCED 4.65 Lakh+ Achieved all-time high AUM of ₹3,200 Cr+ (Dec’25) NET WORTH ₹1,100 Cr+ On
Slide 6: Our Growth Partners
OUR GROWTH PARTNERS CORPORATE PARTNERS FINANCING PARTNERS SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 04
Slide 7: Q3/FY26 at a Glance
Q3/FY26 AT A GLANCE (₹ Cr) 6,524 3,210 1,103 2,174 NIL GROSS DISBURSEMENTS LOAN BOOK EOP EQUITY EOP TOTAL DEBT GROSS NPA (%) 86 50 43 32 TOTAL INCOME NET INTEREST INCOME PROFIT BEFORE TAX PROFIT AFTER TAX SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 05
Slide 8: Performance Quarter on Quarter
PERFORMANCE QUARTER ON QUARTER (₹ Cr) GROSS OPERATING LOAN BOOK EOP PROFIT AFTER TAX DISBURSEMENTS INCOME 12% 12% 15% 15% Q3/FY26 6,524 3,210 86 32 Q2/FY26 5,846 2,878 75 28 SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 06
Slide 9: 9MFY26 at a Glance
9MFY26 AT A GLANCE (₹ Cr) 17,654 3,210 1,103 2,174 NIL GROSS DISBURSEMENTS LOAN BOOK EOP EQUITY EOP TOTAL DEBT GROSS NPA (%) 229 137 85 4.40 10.50 TOTAL INCOME NET INTEREST INCOME PROFIT AFTER TAX RETURN ON ASSETS RETURN ON EQUITY ANNUALISED (%) ANNUALISED (%) SG FINSERVE LIMITED | INVESTOR PRESENTA
Slide 10: Performance 9MFY26 vs 9MFY25
PERFORMANCE 9MFY26 vs 9MFY25 (₹ Cr) GROSS OPERATING LOAN BOOK EOP INCOME PROFIT AFTER TAX DISBURSEMENTS 40% 105% 95% 49% 9M/FY26 17,654 3,210 229 85 9M/FY25 12,647 1,568 117 57 SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 08
Slide 11: Financial Snapshot
FINANCIAL SNAPSHOT (₹ Cr) Particulars Q3/FY26 Q2/FY26 Q-o-Q 9M/FY26 9M/FY25 Y-o-Y Interest Income 84.6 72.6 17% 222.1 113.6 95% Fee Income 1.6 2.1 -22% 6.5 3.3 98% Total Income 86.2 74.7 15% 228.6 116.9 95% Interest Expenses 36.4 30.3 20% 91.6 13.4 582% Net Interest Income 49.8 44.4 12% 137.0 103.5
Slide 12: Future Ready
FUTURE READY Sustainable Growth & Disciplined Profitability SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 10
Slide 13: Guidance - March 2030
GUIDANCE - MARCH 2030 Our CORE Business = SUPPLY CHAIN Financing ₹375 Cr FY 30 ₹7,500 Cr Mar’30 ₹120 Cr PORTFOLIO MIX ₹3,210 Cr FY26 Dec’25 Supply Chain (Group Ecosystem): 35% (Present: 40%) Non-Supply Chain: 30% (Present: 30%) PAT PAT AUM AUM ₹ Cr FY25 FY26 FY30 Supply Chain (Outside Group Ecosyste
Slide 14: Deepen & Widen
Focus: Scalable, Replicable and Risk-balanced growth. Deeper Mining of New Product 01 04 Existing Customers Launches TO ACHIEVE VISION 2030 02 Acquisition of DEEPEN Strategic 05 New Customers Partnerships & WIDEN 03 Deep Tier Financing Adjacent New 06 Programs Financial Services SG FINSERVE LIMITED
Slide 15: Deep Tier Dealer Financing
DEEP TIER DEALER FINANCING Objective: Granular, Diversified and High-yielding book ANCHORS DISTRIBUTORS DEALERS Existing Target B2B CUSTOMERS DEALERS SG FINSERVE LIMITED | INVESTOR PRESENTATION 9MFY26 13
Slide 16: New Strategic Initiatives: Products & Partnerships
NEW STRATEGIC INITIATIVES PRODUCTS & PARTNERSHIPS FACTORING/ TReDS Being commercialized for B2B market LOAN AGAINST PROPERTY Initiated Medium/High ticket size loans, Evaluating Small ticket size loans CO-LENDING Partnering with Banks & NBFCs SYNDICATION / Participation as well as Distribution JOINT
Slide 17: New Business Lines
NEW BUSINESSES LINES (new Subsidiaries of SG Finserve) Evaluating natural foray into Adjacent Financial Services 01 Asset Reconstruction Company (ARC) Asset Management Company (AMC) to manage 02 Alternate Investment Funds (AIFs) 03 Insurance Broking (Life & non-Life) 04 FinTech - Loan Origination Sy
Slide 18: 360 Degree Working Capital Optimization
360 Degree Working Capital Optimization Purchases Sales Converted Cash & Carry purchases to Converted Credit based sales to Credit based (Channel Financing) Cash & Carry (Deep Tier Financing) Receivables 90 Days 60 Days Payable 30 Days 0 Days WC - Gap Before 90 Days After 30 Days SG FINSERVE LIMITED
Slide 19: Our Presence & Expanding Our Customers
OUR PRESENCE & EXPANDING OUR CUSTOMERS ARE SPREAD ACROSS INDIA……….. NORTH OUR CUSTOMERS (#) PAN INDIA AMRITSAR SOLAN JALANDHAR MANDI GOBINDGARH LUDHIANA CHANDIGARH DEHRADUN DELHI NCR 45% GUWAHATI JAIPUR AGRA LUCKNOW KANPUR WEST EAST AHMEDABAD INDORE RANCHI 1.DELHI/NCR 16. SURAT VADODARA KOLKATA 2.AM
Slide 20: Eminent Board
EMINENT BOARD (Consisting of experienced and reputed industry leaders) ROHAN GUPTA SMT. ASHA ANIL AGGARWAL SHRI HSU KAMATH Director Ex-Chief Principal Commissioner Income Tax Dept. Ex-CMD Vijaya Bank & ED Canara Bank SHRI G. JAGANMOHAN RAO SHRI DUKHABANDHU RATH SHRI RAKESH SHARMA Ex-Principal CGM Re
Slide 21: Our Experienced Bandwidth
OUR EXPERIENCED BANDWIDTH The COMPANY has appointed experienced Bankers/ Industry specialists VINAY GUPTA ABHISHEK MAHAJAN LALIT GUPTA SANJAY RAJPUT CHIEF EXECUTIVE OFFICER CHIEF RISK OFFICER CHIEF BUSINESS OFFICER CHIEF FINANCE OFFICER VIVEKANAND TIWARI RENU RAI LAKSHAY DUDEJA KUSH MISHRA CHIEF OPE
Slide 22: Thank You
THANK YOU IF YOU HAVE ANY FURTHER QUERIES, REACHOUT TO US: VINAY GUPTA SANJAY RAJPUT Chief Executive Officer Chief Financial Officer vinay.gupta@sgfinserve.com sanjay.rajput@sgfinserve.com Mobile: +91-9811504345 Mobile: +91-9810770165
Slide 23: Press Release: Financial Results Q3 and 9M FY26
Press Release from SG Finserve Limited SG Finserve Limited FINANCIAL RESULTS FOR THE QUARTER AND 9 MONTHS ENDED 31ST DECEMBER 2025 PROFIT AFTER TAX (PAT) | Q3FY26 – INR 32.47 crores| 9MFY26- INR 85.39 crores Noida, 23 rd January 2026: The Board of Directors of SG Finserve Limited today announced the
Slide 24: Press Release: Management commentary and guidance
From a balance sheet perspective, we are well capitalized, with equity of approximately ₹1,100 crore and a conservative leverage of less than 2.0x, providing ample headroom to support growth over the next 3-4 years. As forward-looking guidance, our growth ambitions are clear and focused: · We aim to