Satin Creditcare Network Limited — PPTs, 28-01-2026: Investor Presentation

Satin Creditcare Network delivered strong Q3-FY26 results, marking its 18th profitable quarter. Consolidated AUM grew 10% YoY to 13,341 Cr, with quarterly disbursements up 22.9% to 3,227 Cr. Net Interest Margin (NIM) improved to 14.25%, and Return on Assets (RoA) significantly increased to 2.22%. Asset quality remained robust, with PAR 90 at 3.3% and a healthy 94.8% overall provision coverage.

The company's strategy focuses on rural financial services expansion, adding 363 branches, and tech-driven diversification. It strengthened its portfolio with Credit Guarantee Fund for Micro Units (CGFMU) and Natural Calamity Insurance (NATCAT). Recent developments include acquiring a 51% stake in QTrino Labs, a deep tech cybersecurity firm, and initiating Satin Growth Alternatives, a Category II AIF, to fund underserved MSMEs, led by an all-women board. Management aims for credit costs below FY25 levels (4.6%), while Q3-FY26 stood at 4.2%, signaling a focus on sustained performance and unlocking subsidiary value.