SG Fin serve Surges with Record Q1 FY27 PBT of ₹72 Cr, Targets ₹300 Cr for Full Year

BY ADMIN • FILED 18 Jul 2026, 1:23 PM

SG Finserve Limited (NSE: SGFIN) has delivered an outstanding start to FY27, reporting record profitability, rapid loan book expansion, and an exceptional asset quality track record during the quarter ended June 30, 2026. The NBFC announced its Q1 FY27 performance during its latest earnings conference call, highlighting strong operational execution and a confident outlook for the rest of the financial year.

The company posted its highest-ever quarterly Profit Before Tax (PBT) of ₹72 crore, representing a 27% quarter-on-quarter (QoQ) increase. The performance reflects sustained business momentum, disciplined lending practices, and continued focus on operational efficiency.

Loan Book Crosses ₹4,550 Crore

SG Finserve continued its strong growth trajectory as its loan book expanded to a record ₹4,552 crore, registering 16% sequential growth and an impressive 82% year-on-year (YoY) increase.

The sharp rise in assets under management highlights the company’s ability to scale its lending business while maintaining strict underwriting standards.

Zero NPAs Highlight Superior Asset Quality

One of the most notable achievements during the quarter was SG Finserve’s continued zero Non-Performing Assets (NPAs).

Maintaining a nil NPA portfolio is a rare accomplishment in the NBFC industry and reflects the company’s conservative credit assessment framework, disciplined risk management, and strong recovery mechanisms.

The pristine asset quality provides a solid foundation for sustainable long-term growth.

Strong Capital Position Supports Future Expansion

SG Finserve remains well-capitalized to support its growth ambitions.

As of June 30, 2026, the company reported:

Net Worth: ₹1,539 crore
Leverage Ratio: 2.2x
Capital Adequacy Ratio (CAR): 32%

The strong capital base provides significant flexibility to expand the loan portfolio while maintaining financial stability.

Healthy Returns and Operational Efficiency

The company also delivered healthy profitability ratios during the quarter.

Annualized Return on Assets (ROA): 5.1%
Annualized Return on Equity (ROE): 14%

SG Finserve’s technology-driven operating model continued to enhance productivity, with per-employee profitability exceeding ₹2 crore annually, reflecting a lean organizational structure and efficient digital processes.

New Financial Solutions Drive Growth

Speaking during the earnings call, CEO Vinay Gupta said the company has successfully commercialized its Factoring and TREDS (Trade Receivables Discounting System) offerings during March and April 2026.

These new financing solutions position SG Finserve among a select group of financial institutions offering specialized working capital products to businesses.

Management reiterated its “deepening and widening” growth strategy, focusing on strengthening relationships with existing customers while expanding its client base across new markets.

FY27 Outlook Remains Strong

The management expressed confidence in sustaining the company’s growth momentum throughout FY27.

SG Finserve expects to deliver approximately ₹300 crore in Profit Before Tax (PBT) for the full financial year, representing an estimated 75% year-on-year growth.

The optimistic guidance is supported by continued loan book expansion, healthy asset quality, strong capital adequacy, and the growing contribution from newly launched financial products.