Satin Creditcare Network Limited — Investor Meet, 14-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Satin Creditcare Network’s consolidated AUM grew 8% YoY to INR12,784 Cr, with standalone AUM up 7% to INR11,316 Cr, marking the 15th straight profitable quarter. Consolidated revenue rose 16.1% YoY to INR2,602 Cr, while pre-provisioning profit edged up 3% to INR754 Cr; NIM held steady at 12.61%. Standalone PAT was INR217 Cr with credit cost at 4.6%. Asset quality improved (PAR 1 at 4.9%, PAR 90 at 3.7%) thanks to strong risk controls. Borrowing cost eased to 11.2% after a $100 million ECB. Elevated operating expenses due to higher collections are expected to normalize. Subsidiaries Satin Housing Finance and Satin Finserv reported AUM growth of 22% and 58%, respectively. Management remains focused on disciplined growth and asset quality, with cautious optimism for FY26.