SG Finserve Limited has informed the Exchange about Transcript

SG Finserve reported strong FY26 results with operating income of INR 334 crores (+96% YoY), loan book of INR 3,936 crores (+75% YoY), and PAT of INR 128 crores (+58% YoY). Q4 PAT was INR 42 crores, up 30% sequentially. Gross disbursements for the full year crossed INR 25,000 crores. The CEO explained the core supply chain finance model where financing is directed to anchor suppliers, with average ticket size around INR 5 crores and a 45-day churn cycle, resulting in nil NPA. Management guided for 35-40% AUM growth in FY27, medium-term CAGR of 25-30%, and PAT CAGR of 30-35%. ROA is expected in the 4.5%-5% range with ROE of 14%-16%. The company aims to reach INR 10,000 crores AUM in 3-4 years using existing equity (INR 1,481 crores) and bank limits (INR 3,000-3,500 crores), targeting leverage of 3x from the current 1.9x over 2-3 years. TReDS factoring on RXIL and M1xchange platforms is expected to go live in Q1. The company operates across 30 pan-India locations covering construction (~35% of AUM), auto, and other sectors, with nil related party exposure below INR 100 crores.