Satin Creditcare Network Limited — PPTs, 29-10-2025: Investor Presentation

Satin Creditcare Network's H1-FY26 consolidated Assets Under Management (AUM) grew 8% YoY to INR 12,687 Cr, with disbursements up 3% YoY to INR 4,868 Cr. Standalone Q2-FY26 Profit After Tax (PAT) rose 24.8% YoY to INR 52 Cr, marking the 17th consecutive profitable quarter. Active clients stood at ~33 Lakhs.

The company is driving growth by diversifying beyond microfinance into affordable housing and MSME loans, shifting towards secured lending, and leveraging technology for financial and non-financial solutions. Strategic entry into the AIF space is also underway.

Recent developments include expanding into Mizoram and opening 162 new branches in H1-FY26, plus the induction of two new independent directors. Natural Calamity Insurance was introduced for new disbursements from September '25.

Key consolidated H1-FY26 metrics show a Net Interest Margin (NIM) of 13.58%, Return on Assets (RoA) of 1.61%, and Return on Equity (RoE) of 7.61%. Capital Adequacy Ratio (CRAR) is robust at 26.32%. Asset quality remains strong with consolidated Gross NPA at 3.52%.

Management aims for credit costs lower than FY25 levels (4.6%), emphasizing strong credit discipline and prudent borrower leverage.