SG Finserve has lent over ₹52,000 crores at ZERO NPA — a unique opportunity in NBFCs?

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In today’s episode, we break down one of the most unusual NBFC that has lent over ₹52,000 crores since inception and still operates at zero NPAs. In this video, we'll explore SG Finserve Limited's business model, its competitive advantages, it's financials and other qualitative factors

We’ll talk about:
▸ The 3 moats driving SG Finserve’s business
▸ Detailed breakdown of ROA, ROE, spreads, yields & equity multiplier
▸ Updated AUM trajectory and revised growth expectations
▸ Why ROE is low today—and how it could move toward 18% by FY27
▸ Key risks investors should track
.. and much much more

⚠️ This video is for educational purposes only. It should not be treated as investment advice or a stock recommendation. Please do your own research or consult a financial advisor before making any investment decisions and kindly read the disclaimer below in this description.

👉 Video Chapters:
00:00 Overview of a Lending Business (NBFC)
00:56 SG Finserve Limited & it's zero NPA business model
01:45 PowerUp Money
02:12 The Story of SG Finserve
03:37 What is Supply Chain Financing?
05:10 Moat 1: Dealer Selection at Anchor Level
05:50 Moat 2: Stop Supply Arrangement with Anchor
06:45 Difference between Supply Chain Financing & Traditional CC/Overdraft
07:22 Moat 3: SG Finserve's association with APL Apollo Group
08:15 Anchor Strategy of SG Finserve
09:03 Moat 4: Technology & Digital Capabilities
10:03 Financials of SG Finserve Limited
10:27 Assets Under Management (Loan Book) of SG Finserve
11:49 SG Finserve Limited's Revenue and Profitability
12:56 Return on Assets
14:40 Yield, Cost of Funds and Spread
15:56 Return on Equity
18:34 Using DuPont Analysis to Understand ROA & ROE
19:42 Risks and Concerns
20:09 SGFinserve Management & Resignations
21:27 Downward Revision in Management Guidance
23:26 Decline in Yield Numbers
24:22 Summary
25:56 Shankar Nath's Viewpoint

#sgfinserve #supplychainfinance #fundamentalanalysis #StockAnalysis #shankarnath

Disclaimer:
1. Shankarnath K is registered with SEBI as Individual Research Analyst vide Registration number INH000022093 dated July 28, 2025, pursuant to which he provides Research Analyst services to his clients.
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