Satin Creditcare Network Limited — PPTs, 31-10-2025: Investor Presentation

Satin Creditcare, a leading microfinance institution and a top player in geographic reach, serves 32.4 lakh clients across 31 states. Its Assets Under Management (AUM) stood at ₹11,044 Cr in H1-FY26, with disbursements reaching ₹4,487 Cr. The company is strategically diversifying into Housing Finance and MSME Finance.

The core strategy involves expanding beyond microfinance into housing, MSME lending, technology solutions via Satin Technologies, and Alternative Investment Funds (AIF) through Satin Growth Alternatives. This aims to leverage rural and semi-urban growth, offer broader products to existing clients, and boost efficiency. Satin targets an AUM of ₹25,000 Cr by 2030, reducing microfinance's share.

Recent initiatives include the launch of Satin Technologies, a new AIF focused on MSMEs and green investments, and 'Satin Saathi' for rural consumption. Asset quality is improving, with PAR 90 at 5.8% in H1-FY26.

Key H1-FY26 metrics show a robust Capital Adequacy Ratio (CRAR) of 26.32%. Asset quality remains strong with GNPA at 3.7% and NNPA at 1.2%. Return on Assets (RoA) was 1.65% and Return on Equity (RoE) 6.56%.

Management anticipates strong demand driven by India's economic growth. They expect the microfinance industry to achieve double-digit AUM growth (12-15% CAGR from FY26), supported by stabilizing asset quality and a strong liquidity profile.