SG Finserv Achieves All-Time High Loan Book of ₹3,936 Cr with 75% YoY Growth
SG Finserv delivered exceptional Q4FY26 results with operating income growing 95% YoY to ₹105.65 crores and loan book achieving milestone of ₹3,936 crores with 75% YoY growth. The company conducted investor conference call on April 16, 2026 and provided audio recording link for transparency and regulatory compliance.

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SG Finserv Limited announced its audited financial results for Q4FY26 and the year ended March 31, 2026, delivering exceptional performance across all key metrics. The company achieved a significant milestone with its loan book reaching an all-time high of ₹3,936 crores as of March 31, 2026, registering strong quarter-on-quarter growth of 23% and year-on-year growth of 75%. The Board of Directors approved the results at their meeting held on April 16, 2026, which commenced at 11:00 A.M. and concluded at 12:25 P.M.
Outstanding Q4FY26 Performance
The company achieved remarkable quarterly growth with operating income reaching ₹105.65 crores in Q4FY26, representing a substantial 95% year-on-year increase from ₹54.10 crores in Q4FY25. Net Interest Income demonstrated strong sequential momentum, growing 27% quarter-on-quarter from ₹49.44 crores in Q3FY26 to ₹62.73 crores in Q4FY26, while also achieving 77% year-on-year growth from ₹35.50 crores in Q4FY25.
| Q4FY26 Metrics: | Current Quarter | Previous Quarter | Previous Year | QoQ Growth (%) | YoY Growth (%) |
|---|---|---|---|---|---|
| Operating Income: | ₹105.65 crores | ₹85.84 crores | ₹54.10 crores | +23% | +95% |
| Net Interest Income: | ₹62.73 crores | ₹49.44 crores | ₹35.50 crores | +27% | +77% |
| Profit Before Tax: | ₹56.21 crores | ₹43.05 crores | ₹31.07 crores | +31% | +81% |
| Profit After Tax: | ₹42.27 crores | ₹32.47 crores | ₹23.79 crores | +30% | +78% |
Exceptional Annual Performance FY26
For the full year ended March 31, 2026, SG Finserv reported operating income of ₹333.66 crores compared to ₹170.26 crores in FY25, marking a 96% increase. Annual net profit reached ₹127.66 crores, up from ₹80.99 crores, representing a 58% growth. The company's loan book achievement of ₹3,936 crores represents a cornerstone milestone in its growth trajectory.
| Annual FY26 Highlights: | FY26 | FY25 | Growth (%) |
|---|---|---|---|
| Operating Income: | ₹333.66 crores | ₹170.26 crores | +96% |
| Net Interest Income: | ₹199.20 crores | ₹138.28 crores | +44% |
| Profit After Tax: | ₹127.66 crores | ₹80.99 crores | +58% |
| Loan Book: | ₹3,936 crores | ₹2,246 crores | +75% |
Record Disbursements and Business Milestones
SG Finserv crossed significant operational milestones during FY26, with gross disbursements exceeding ₹25,000 crores, registering a robust 40% year-on-year growth. The company also financed over 1.65 lakh invoices with 25% growth, demonstrating strong operational scale and market penetration. SG Finserv maintained its disciplined approach with a cost-to-income ratio below 15% and zero NPAs, while achieving a Return on Assets of 4.80% and Return on Equity of 12%.
| Key Business Metrics: | FY26 Achievement |
|---|---|
| Gross Disbursements: | ₹25,000+ crores (40% YoY growth) |
| Invoices Financed: | 1.65+ lakh (25% YoY growth) |
| Net Worth: | ₹1,460+ crores (40% YoY growth) |
| Debt/TNW Ratio: | 1.9x |
| NPA Level: | Nil |
Capital Strengthening and Corporate Governance
During the quarter, the company successfully raised fresh equity of ₹316 crores through conversion of share warrants, strengthening its capital structure for future growth prospects. The Board approved the appointment of Mr. Deepak Kumar as Additional Director in the category of Non-Executive - Non-Independent Director-Chairperson, effective April 16, 2026. Mr. Kumar is a distinguished Chartered Accountant with over two decades of professional experience and currently serves as Whole Time Director and Group Chief Financial Officer at APL Apollo Tubes Limited.
Investor Engagement and Transparency
Following the announcement of Q4FY26 results, SG Finserv conducted a conference call with investors and analysts on April 16, 2026 at 2:30 PM IST to discuss the audited financial results. In compliance with SEBI Listing Obligations and Disclosure Requirements Regulations 2015, the company has made the audio recording of this conference call available to stakeholders through its official website at https://sgfinserve.com/schedule-analyst .
| Conference Call Details: | Information |
|---|---|
| Date: | April 16, 2026 |
| Time: | 2:30 PM IST |
| Purpose: | Q4FY26 & FY26 Results Discussion |
| Audio Link: | https://sgfinserve.com/schedule-analyst |
Strategic Focus and Future Outlook
Supply Chain Financing continues to remain the company's core business strength, which has been further strengthened through commercialization of factoring business in March 2026. The company operates as a Non-Deposit taking Non-Banking Financial Company registered with the Reserve Bank of India and is classified as NBFC-Middle Layer under RBI's revised regulatory framework. SG Finserv is also registered to carry out factoring business under the Factoring Regulation Act, 2011, expanding its service offerings in the supply chain finance ecosystem.
Source: Company/INE618R01015/4ed36978-e953-4ee3-8ead-fa8830409e97.pdf
Historical Stock Returns for SG Finserv
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -0.59% | +11.86% | +35.89% | +36.90% | +29.01% | +29.01% |
How will the newly commercialized factoring business contribute to SG Finserv's revenue diversification and growth targets for FY27?
What impact might RBI's evolving regulatory framework for NBFC-Middle Layer companies have on SG Finserv's operational flexibility and capital requirements?
Can SG Finserv sustain its aggressive 75% loan book growth rate while maintaining zero NPAs amid potential economic headwinds?


































