SG Finserv Achieves All-Time High Loan Book of ₹3,936 Cr with 75% YoY Growth

3 min read     Updated on 16 Apr 2026, 07:34 PM
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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 Day5 Days1 Month6 Months1 Year5 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?

SG Finserve Limited Submits SEBI Compliance Certificate for Q4FY26

1 min read     Updated on 10 Apr 2026, 08:42 AM
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SG Finserv Limited filed its Q4FY26 compliance certificate under SEBI Regulation 74(5) on April 9, 2026. The certificate from registrar Skyline Financial Services Private Limited confirms no physical share certificates were received for dematerialization during the quarter ended March 31, 2026. Company Secretary Kush Mishra submitted the mandatory compliance document to BSE and NSE, fulfilling regulatory requirements.

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SG Finserv Limited has submitted its quarterly compliance certificate to stock exchanges, fulfilling mandatory regulatory requirements under SEBI guidelines. The company filed the certificate for the quarter ended March 31, 2026, confirming compliance with dematerialization regulations.

Regulatory Compliance Filing

The company submitted its certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 to both BSE and NSE on April 9, 2026. Company Secretary and Compliance Officer Kush Mishra signed and filed the compliance document with the exchanges.

Parameter: Details
Filing Date: April 9, 2026
Quarter Covered: Q4FY26 (ended March 31, 2026)
Certificate Date: April 1, 2026
Compliance Officer: Kush Mishra

Certificate Details

Skyline Financial Services Private Limited, serving as the company's Registrar and Share Transfer Agent, issued the compliance certificate dated April 1, 2026. The certificate confirms that no physical share certificates were received for dematerialization of equity shares during the quarter ended March 31, 2026.

Parveen Sharma, Authorised Signatory of Skyline Financial Services Private Limited, signed the certificate confirming the company's compliance status. The certificate specifically addresses the dematerialization process requirements under SEBI regulations.

Company Information

SG Finserv Limited, formerly known as Moongipa Securities, operates with CIN L64990DL1994PLC057941. The company maintains its registered office at 37, Hargobind Enclave, Vikas Marg, East Delhi, Delhi-110092, with corporate office located at 35-36 Kaushambi, Near Anand Vihar Terminal, Ghaziabad, Uttar Pradesh.

Exchange Details: Information
BSE Scrip Code: 539199
NSE Symbol: SGFIN
Company Status: Listed
Registrar: Skyline Financial Services Private Limited

The quarterly compliance certificate represents part of the company's ongoing regulatory obligations to maintain transparency and adherence to SEBI guidelines for listed entities.

Historical Stock Returns for SG Finserv

1 Day5 Days1 Month6 Months1 Year5 Years
-0.59%+11.86%+35.89%+36.90%+29.01%+29.01%

Will SG Finserv's zero physical share dematerialization activity indicate a shift toward fully digital operations in Q1FY27?

How might SEBI's evolving regulatory framework impact SG Finserv's compliance costs and operational structure in the coming quarters?

What strategic initiatives is SG Finserv planning to drive share trading volumes and investor interest in FY27?

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1 Year Returns:+29.01%