Satin Creditcare Network Limited — PPTs, 11-05-2026: Investor Presentation

Satin Creditcare delivered strong financial results for the year ended March 31, 2026. Consolidated Assets Under Management (AUM) grew 19% YoY to ₹15,174 Cr, driven by robust disbursements up 17% to ₹12,514 Cr. Total revenue increased 23% to ₹3,161 Cr, while Profit After Tax (PAT) surged 79% to ₹332 Cr. The non-MFI portfolio now constitutes 17% of total AUM, with both Housing Finance and MSME/Sustainable Finance subsidiaries exceeding ₹1,000 Cr AUM.

The company is strategically diversifying beyond microfinance, aiming for 30% non-MFI AUM by FY2030 and revising its overall AUM target to ₹32,000 Cr. Key growth drivers include leveraging in-house technology and AI for improved efficiency and risk assessment, alongside expanding its geographical presence with 392 new branches opened.

Notable developments include receiving SEBI's license for an Alternative Investment Fund (AIF) and forming a co-investment partnership with SBI. The company also launched Satin Technologies, a tech subsidiary, and acquired a stake in QTrino, a deep-tech cybersecurity firm. Asset quality improved, with PAR 90 at 3.1%.

For FY26, consolidated Return on Equity (ROE) was 12.3% and Return on Assets (ROA) stood at 2.6%. Net Interest Margin (NIM) was 13.2%, with a credit cost of 3.6%.

Management projects standalone AUM growth of 15-20% for FY27, targeting ₹14,800-15,100 Cr, and expects credit costs to be 3.0-3.5%. This outlook is supported by a strong capital buffer, derisking initiatives, and disciplined underwriting practices.