SG Finserve H1 FY27: PAT up 112% to ₹112 Cr, loan book nearly doubles to ₹5,694 Cr with nil NPAs
H1 FY27 PAT up 112% YoY to ₹112 Cr; loan book up 98% to ₹5,694 Cr; Q2 PAT record ₹59 Cr; NPAs nil.
By ScoutQuest · · 1 min read
- H1 FY27 PAT
- ₹112.2 Cr, up 112% YoY (vs ₹52.9 Cr in H1 FY26)
- Loan Book
- ₹5,694 Cr, up 98% YoY and 25% QoQ
- Management Guidance
- AUM 25-30% CAGR, PAT 30-35% CAGR, RoA 4.5%+, RoE 15%+, nil NPAs
- Period
- H1/Q2 FY27
- Positioning
- An APL Apollo Group NBFC focused on supply chain finance, rated CRISIL AA-/Stable/A1+, among ~1% of Indian NBFCs offering supply chain finance, factoring or TReDS.
📈 H1 FY27 consolidated PAT was ₹112.2 Cr against ₹52.9 Cr in H1 FY26 (up 112%), operating income ₹297.1 Cr (up 109%), and the loan book reached ₹5,694 Cr, up 98% YoY and 25% QoQ. Q2 FY27 PAT of ₹58.5 Cr is described as an all-time quarterly high.
💰 The company reports RoA of 4.9%, RoE of 14.7%, debt/TNW of 2.7x, capital adequacy of ~27% and nil NPAs. It says over 80% of loan book growth came from new customers and that ~75% of the book is now beyond the APL Apollo Group ecosystem, with supply chain finance contributing 2/3rd.
🎯 Management guides AUM growth of 25-30% CAGR and PAT growth of 30-35% CAGR, with RoA of 4.5%+, RoE of 15%+, cost/income below 15% and nil NPAs. It describes its strategy as deepening and widening: existing customers, new customers, products, partnerships and adjacent financial services.
🔬 The presentation lists newly launched Loan Against Property (starting in Delhi-NCR) and Digital Lending under an LSP partnership, 14 new anchor corporates and ~275 new borrowers in H1, and a team of 100 across 34 locations.
Also from SG Finserve
Q2 FY27 call: all-time high PAT, leverage cap raised to 4x debt-to-equity
21 Oct 2026
SG Finserve files audio recording link for October 16, 2026 conference call on Q2/H1 FY27 results
16 Oct 2026
Q2/H1 FY27 earnings presentation: loan book ₹5,694 Cr, net worth ₹1,598 Cr, PAT ₹112 Cr
16 Oct 2026
More numbers
- Profit after tax, H1 FY27112.2 (₹ Cr)
- Profit after tax, H1 FY2652.9 (₹ Cr)
- PAT growth YoY, H1 FY27112%
- Total income, H1 FY27297.1 (₹ Cr)
- Profit after tax, Q2 FY2758.5 (₹ Cr)
- Loan book, Q2 FY275,694 (₹ Cr)
- Loan book growth YoY98%
- Net worth, H1 FY27₹1,598 Cr
- Gross disbursements, H1 FY27₹16,000 Cr+
- RoE, H1 FY2714.7%
- RoA, H1 FY274.9%
- Capital adequacy~27%
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