SG Finserv Limited has filed a mandatory disclosure with stock exchanges regarding its loan book position as on December 31, 2025. The filing was submitted to both the National Stock Exchange of India (NSE) and BSE Limited on January 1, 2026, in compliance with SEBI Listing Obligations and Disclosure Requirements Regulations, 2015.

Regulatory Filing Details

The disclosure was formally submitted by Kush Mishra, Company Secretary and Compliance Officer of SG Finserv Limited. The filing includes the company's loan book data as of the quarter ending December 31, 2025, representing a standard quarterly disclosure requirement for financial services companies.

Company Information

SG Finserv Limited operates as a financial services company with its registered office located at 37, Hargobind Enclave, Vikas Marg, East Delhi. The company maintains its corporate office at Kaushambi, Near Anand Vihar Terminal, Ghaziabad, Uttar Pradesh. The company's leadership team includes Vinay Gupta as CEO and Sanjay Rajput as CFO.

SEBI Compliance Framework

The filing falls under the SEBI Listing Obligations and Disclosure Requirements Regulations, 2015, which mandate regular disclosure of material information by listed companies. For financial services companies like SG Finserv, loan book disclosures provide investors with crucial insights into the company's lending portfolio and business performance. These quarterly disclosures ensure transparency and help maintain investor confidence in the company's operations.

SG Finserv has received comprehensive credit rating reaffirmations from ICRA Limited across multiple financial instruments, as communicated to stock exchanges. The rating actions cover various debt instruments and banking facilities totaling over ₹1,000.00 crores, reflecting the company's creditworthiness and financial stability.

Credit Rating Summary

ICRA has taken rating actions across six different categories of financial instruments for SG Finserv:

Bank Facility Details

The ₹650.00 crore long-term fund-based and non-fund based bank facilities are distributed across seven major financial institutions:

Credit Enhancement Structure

The ratings carry Credit Enhancement (CE) designation, indicating they are specific to the rated issues, their terms, and structure. The CE ratings are based on corporate guarantees provided by SGupta Holding Private Limited for the proposed facilities. ICRA clarifies that CE ratings do not represent the agency's opinion on the general credit quality of the issuers concerned.

Rating Validity and Conditions

For the commercial paper facility of ₹200.00 crores, ICRA has specified that if the instrument is not issued within three months from the rating date, the rating would need revalidation before issuance. Once issued, the rating remains valid throughout the program's life, with a maximum maturity of twelve months from the issuance date.

The provisional ratings assigned to proposed facilities totaling ₹450.00 crores remain subject to fulfillment of all structural conditions and review of final documentation. These provisional ratings can remain valid for a maximum of one year from assignment and will be converted to final ratings upon completion of pending actions in line with ICRA's expectations.

Regulatory Compliance

The rating communication aligns with a SEBI Circular which encourages issuers to utilize penny-drop verification services provided by banks. This measure is intended to prevent payment failures when disbursing principal and interest to investors or debenture holders, ensuring successful remittance and avoiding transaction failures.