SG Finserve Limited Earnings Summary — Q1 FY2027

• Loan book grew significantly by 75% YoY to ₹3,936 Cr at the end of FY26.
• Reported nil Non-Performing Assets (NPA) percentage for the fiscal year, maintaining high credit quality.
• Successfully strengthened equity base through warrant conversion of ₹316 Cr during the period.
• Promoter holding increased by approximately 5% to settle at ~53%.
• Net Interest Income for Q4 rose 77% YoY to ₹62.8 Cr, driven by an expanding corporate partner ecosystem.
• Diversified product offerings by commencing Factoring of receivables and targeting downstream ecosystems.
• Expansion of physical footprint to 30 locations nationwide with a headcount of 78 employees.

Management intends to keep Supply Chain Finance as the core business focus while expanding into Purchase Order Financing. They aim to drive underwriting excellence through co-lending programs and strategic partnerships.

Improving

Consistent QoQ growth in loan book and income, combined with an increasing promoter stake and zero NPAs, signals strong operational momentum.

The company is focused on scalability and sustainability by mining existing customers and acquiring new ones in the downstream ecosystem, specifically targeting B2B enterprises and distributors.