Press Release

SG Finserve Limited Date: October 16, 2026 Secretary National Stock Exchange of India Ltd Listing Department Exchange Plaza, 5th Floor, BSE Limited Plot No. C/1, G Block, Department of Corporate Services Bandra – Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra (E), Dalal Street, Mumbai-400001 Mumbai – 400 051 BSE Scrip Code: 539199 NSE Symbol: SGFIN Sub: Earnings Presentation and Press Release on Unaudited Financial Result (standalone and consolidated) for the quarter and half year ended September 30, 2026 Dear Sir/Madam, In terms of Regulation 30 of the Listing Regulations read with Schedule III to the Listing regulations, please find attached Earnings Presentation and Press Release respectively made by the Company on Un- Audited Financial Results (standalone and consolidated) of the Company for the quarter and half year ended September 30, 2026. The same is also available on the website of company i.e. www.sgfinserve.com Kindly take the same in your record. Thanking you. For SG Finserve Limited Ankit Sharma Company Secretary & Compliance Officer SG Finserve Limited (CIN: L64990DL1994PLC057941) Regd. Office: 37, Hargobind Enclave, Vikas Marg, East Delhi, Delhi-110092, Ph.: 0120-4041 400 Corporate Office: - 35-36 Kaushambi, Near Anand Vihar Terminal, Ghaziabad, Uttar Pradesh - 201010 E-mail: info@sgfinserve.com, Website: www.sgfinserve.com SG FINSE VE INVESTOR PRESENTATION H1 / Q2’FY27 Turning Momentum into Leadership SAFE This presentation has been prepared by SG Finserve Limited (the “Company”) solely for your information. By accessing this presentation, you agree to be bound by the following restrictions. This presentation is for information purposes only HARBOUR and should not be deemed to constitute or form part of any offer, invitation, or inducement to sell or issue any securities, or any solicitation of any offer to purchase or subscribe for any securities of the Company. Nor shall it or any part of it, or the fact of its distribution, form the basis of, or be relied upon in connection with, any contract or commitment whatsoever. This presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. There is no obligation to update, modify, or amend this communication or notify the recipient in any other manner if the information, opinion, projection, forecast, or estimate set forth herein changes or becomes inaccurate. However, the Company may alter, modify, or otherwise change in any manner the content of this presentation without obligation to notify any person of such change. The financial information in this presentation may have been reclassified and reformatted for clarity. You may also refer to the Company’s financial statements, available at www.sgfinserve.com, before making any decision based on this information. Certain statements in this presentation that are not statements of historical fact constitute forward-looking statements. These forward-looking statements include descriptions regarding the intent, belief, or current expectations of the Company or its directors and officers concerning the results of operations and the Company’s financial condition. Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties. Actual results may differ from those in such forward-looking statements due to various factors and assumptions that the Company presently believes to be reasonable based on its operating experience in recent years. However, these assumptions may prove to be incorrect. Potential investors must assess the relevance, accuracy, and adequacy of the information contained in this presentation and must make an independent investigation as they may consider necessary or appropriate. This presentation and its contents are for general information purposes only, without regard to any specific objectives, financial situations, or informational needs of any particular person. They should not be distributed, published, reproduced (in whole or in part), or disclosed by recipients directly or indirectly to any other person. SG Finserve Limited | Investor Presentation Page 01 SG FINSE VE CONTENTS OF THE REPORT SECTION 1: SECTION 2: SECTION 3: PERFORMANCE UPDATE FUTURE READY CORE MANAGEMENT • Milestones H1/Q2’FY27 • Focus - Scalability & Sustainability • Eminent Board • Key Highlights H1/Q2’FY27 • Our Presence • Our Experience Bandwidth • Performance Quarter on Quarter • Guidance • Performance Year on Year • Financial Snapshot • Our Growth Partners SG Finserve Limited | Investor Presentation Page 02 PERFORMANCE Section UPDATE Empowering Businesses, Strengthening SUPPLY CHAINS SG Finserve Limited | Investor Presentation Page 03 15.1% SG FINSE VE ROE Leverage 14.3% MILESTONES 3.7x 13.2% 3.0x H1’FY27 2.8x 3.2x 2.6x 12.0% 2.9x 10.8% GROSS DISBURSEMENTS LOAN BOOK NET WORTH 9.5% ₹16,000 Cr+ ₹5,694 Cr ₹1,598 Cr Q1'26 Q2'26 Q3'26 Q4'26 Q1'27 Q2'27 Return of Equity (ROE) = Quarterly PAT / Average Net Worth Leverage: Total Assets / Net Worth at Quarter End DEBT/TNW RoA RoE NPAs 2.7x 4.9% 14.7% NIL (RoA/RoE is calculated basis avg AUM/Net Worth) ❖ Part of APL Apollo Group (Group’s flagship co., APL Apollo Tubes Limited is India’s largest structured steel manufacturer) ❖ Achieved all-time high quarterly PAT of ₹59 Cr (in Q2’FY27) ❖ Rated CRISIL AA-/Stable/A1+ ❖ Among ~1% NBFCs in India offering Supply Chain Finance, Factoring or TReDS ❖ Launched Loan Against Property (LAP) product (started with Delhi-NCR) ❖ Launched Digital Lending product (under LSP partnership) ❖ Team size crossed 100 while maintaining per employee annualized profitability of ₹2 Cr+ SG Finserve Limited | Investor Presentation Page 04 SG FINSE VE KEY HIGHLIGHTS H1’FY27 ❖ PAT grew 112% YoY to reach ₹112 Cr ❖ Loan Book grew 98% YoY to reach ₹5,694 Cr ❖ Scaled Factoring/TReDS and commercialized LAP/Digital Lending products ❖ Over 80% of Loan Book growth is contributed by new customers ❖ Acquired 14 new Anchor corporates ❖ Acquired ~275 new borrowers (excluding Digital Lending product) ❖ Supply Chain Finance continue to contribute 2/3rd to our overall Loan Book ❖ Contribution of Loan Book beyond Group’s ecosystem increased to ~75% ❖ Zero NPA track record maintained. ❖ RoA is maintained at > 4.50% and Cost/Income Ratio is maintained < 15% ❖ Capital Adequacy remains robust at ~27% despite strong AUM growth ❖ Asset/Equity improved to ~3.7x; quarterly ROE run rate improved to ~15% SG Finserve Limited | Investor Presentation Page 05 SG FINSE VE QUARTER ON QUARTER PERFORMANCE Consolidated (₹ Cr) Q2/FY27 Q1/FY27 Loan Book Operating Income Loan Book Operating Income 161 136 5,694 4,552 25% 18% 01 03 01 03 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax 79 59 72 54 10% 9% 02 04 02 04 SG Finserve Limited | Investor Presentation Page 06 SG FINSE VE YEAR ON YEAR PERFORMANCE Consolidated (₹ Cr) H1/FY27 H1/FY26 Loan Book Operating Income Loan Book Operating Income 297 142 5,694 2,878 98% 109% 01 03 01 03 Profit Before Tax Profit After Tax Profit Before Tax Profit After Tax 151 112 72 53 108% 112% 02 04 02 04 SG Finserve Limited | Investor Presentation Page 07 FINANCIAL SNAPSHOT Consolidated (₹ Cr) Particulars Q2/FY27 Q1/FY27 Q-o-Q Q2/FY26 Y-o-Y H1/FY27 H1/FY26 Y-o-Y FY26 RoA Tree (%) (%) (%) H1/Y27 Interest Income 152.9 128.9 19% 72.2 112% 281.8 136.7 106% 320.2 12.3% Fee/Other Income 8.0 7.3 10% 2.4 233% 15.3 5.5 178% 13.5 0.7% Total Income 160.9 136.2 18% 74.6 116% 297.1 142.2 109% 333.7 13.0% Interest Expenses 68.2 54.1 26% 30.3 125% 122.3 55.1 122% 134.5 5.3% Net Interest Income 92.7 82.1 13% 44.3 109% 174.8 87.1 101% 199.2 7.6% Operating Expenses 11.1 9.6 16% 6.0 85% 20.7 13.8 50% 25.3 0.9% Impairment Provision 2.5 0.9 - (0.1) - 3.4 1.0 - 2.4 0.1% Profit Before Tax 79.1 71.6 10% 38.4 106% 150.7 72.3 108% 171.5 6.6% Income Tax 20.6 17.9 15% 10.0 105% 38.5 19.4 99% 43.8 1.7% Profit After Tax 58.5 53.7 9% 28.4 106% 112.2 52.9 112% 127.7 4.9% Loan Book 5, [Showing first 8,000 characters — download PDF for full document]