Satin Creditcare Network Ltd · NSE:SATIN
Satin Creditcare Network — Q1 FY26 Earnings Presentation
27 slides from Satin Creditcare Network's earnings presentation, Aug 8, 2025
Slide 1: Cover letter to stock exchanges
August 08, 2025 To, The Manager, The Manager, National Stock Exchange of India Ltd. BSE Limited Exchange Plaza, C-1, Block G, 25th Floor, P. J. Towers, Bandra Kurla Complex, Dalal Street, Bandra East, Mumbai-400051 Mumbai – 400001 Symbol: SATIN Scrip Code: 539404 Sub: Investor Presentation Dear Sir/
Slide 2: Satin Creditcare Network Ltd. Investor Presentation Q1-FY26
Satin Creditcare Network Ltd. INVESTOR PRESENTATION Q1-FY26
Slide 3: Snapshot
SNAPSHOT INR 12,499 Crores INR 2,242 Crores ~33 Lakhs ~1,600 ~16,500 Consolidated AUM Disbursement Active Clients Branches Employees $ 13.2% 4.5% 1.5% 7.1% 3.6x NIM Credit Cost ROA ROE Leverage Ratio Standalone 3.7% 26.0% 99.3% 71 Long term rating: “A GNPA CRAR X Bucket CE Active Lenders (Stable)” b
Slide 4: Staying Ahead of the Curve
STAYING AHEAD OF THE CURVE Recorded the lowest average 16 consecutive quarters of credit cost of 3.3% over six profitability despite years among listed peers challenging times Maintained one of the Sustained robust capital highest average RoA of 2.1% adequacy over the years, and RoE of 9.1% over six
Slide 5: An Unparalleled Vision Beyond Finance
AN UNPARALLELED VISION BEYOND FINANCE CREATING A UNIQUE USP AS A DIVERSIFIED, TECH-LED FINANCIAL SERVICES PROVIDER FOCUSED ON RURAL & SEMI-URBAN INDIA Beyond microfinance, we deliver diverse financial solutions to enhance inclusion (since Feb’18) Strategic shift from unsecured to secured lending for
Slide 6: ESG - Laying the Groundwork for Future Resilience
ESG - LAYING THE GROUNDWORK FOR FUTURE RESILIENCE Aligning with Global Standards. Adapting with Purpose. Translating Purpose into Progress • Foundational ESG Diagnostics via • To formulate targeted interventions for ❑ Materiality Assessment independent third party going forward • To Identify materia
Slide 7: Diversified Geographical Presence
DIVERSIFIED GEOGRAPHICAL PRESENCE DISTRICTS, STATES AND BRANCHES PRESENCE ACROSS 29 STATES AND UTs 1,286 1,393 1,568 1,599 29 29 24 26 No. of Branches 1 405 421 529 519 1 71 FY23 FY24 FY25 Q1-FY26 18 No. of Regional Districts States Branches 51 7 3 Offices 1 CLIENTS (LAKHS)^ 283 140 2 104 28.3 34.7
Slide 8: Built on a Strong & Balanced Funding Base
BUILT ON A STRONG & BALANCED FUNDING BASE PRODUCT WISE LENDER WISE LARGE LENDER BASE 71 Active Lenders 0.6% Top 10 Lending Partners % Share 16.4% Term loan & PTC 9.7% Banks 4.3% Bank of Maharashtra 11% DA Overseas fund HSBC 9% 12.0% NCD 16.7% 51.2% NBFC State Bank of India 9% ECB 19.8% 69.2% Domesti
Slide 9: Q1-FY26 Performance
Q1-FY26 PERFORMANCE SATIN CREDITCARE NETWORK LTD. 8
Slide 10: Operational Highlights
OPERATIONAL HIGHLIGHTS ➢ Sustained Profitability: Q1-FY26 marked the 16th consecutive quarter of profitability, further underscoring our consistent performance ➢ Steady Disbursement Momentum: Maintained consistent disbursements of INR 2,065 Crores in Q1-FY26, resulting in a growth of 3.4% YoY ➢ Asse
Slide 11: Standalone Highlights
STANDALONE HIGHLIGHTS Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y AUM 10,956 11,316 3.2% 10,485 4.5% (INR Crores) Disbursement 2,065 2,881 28.3% 1,997 3.4% (INR Crores) Active Clients 32.9 32.2 2.2% 34.1 5.8% (Lakhs) Branches 1,487 1,454 2.3% 1,301 14.3% Total Revenue 642 562 582 14.3% 10.3% (INR Crores) PP
Slide 12: Standalone Financial Highlights
STANDALONE FINANCIAL HIGHLIGHTS Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y Gross Yield 23.06% 20.34% 22.09% NIMs have remained stable and consistent Cost of borrowing 9.58% 8.53% 8.71% NIM 13.48% 11.81% 13.38% Opex ratio is elevated on a YoY basis owing to sector headwinds. However, it has shown Operating
Slide 13: Quarterly Standalone Income Statement
QUARTELY STANDALONE INCOME STATEMENT Income Statement ( INR Crores) Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y Interest Income 543 512 6.0% 511 6.4% Less: Finance Cost 267 236 13.2% 229 16.2% Other Income 99 49 100.8% 71 38.3% Net Interest Income 375 326 15.1% 353 6.4% Operating Expenses 186 200 (7.0)% 146
Slide 14: Consolidated Highlights
CONSOLIDATED HIGHLIGHTS Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y AUM 12,499 12,784 2.2% 11,706 6.8% (INR Crores) Disbursement 2,242 3,095 27.6% 2,114 6.0% (INR Crores) Active Clients 33.6 6.2% 32.9 2.0% 35.1 (Lakhs) Branches 1,599 1,568 2.0% 1,447 10.5% Total Revenue 713 623 634 14.6% 12.4% (INR Crores)
Slide 15: Consolidated Financial Highlights
CONSOLIDATED FINANCIAL HIGHLIGHTS Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y Gross Yield 22.57% 19.99% 21.54% Cost of borrowing 9.40% 8.47% 8.52% NIM 13.17% 11.52% 13.02% Operating Expense Ratio 6.80% 7.38% 5.80% Loan Loss Ratio 4.53% 3.55% 2.43% ROA 1.50% 0.76% 3.96% ROE 7.06% 3.43% 17.16% Leverage Ratio
Slide 16: Quarterly Consolidated Income Statement
QUARTELY CONSOLIDATED INCOME STATEMENT Income Statement (INR Crores) Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y Interest Income 601 569 5.7% 547 9.9% Less: Finance Cost 297 264 12.7% 251 18.4% Other Income 112 53 109.7% 87 28.7% Net Interest Income 416 359 16.0% 383 8.6% Operating Expenses 215 230 (6.5)% 1
Slide 17: Standalone Quarterly Progress (1/3)
STANDALONE QUARTERLY PROGRESS (1/3) AUM (INR Crores) DISBURSEMENT (INR Crores) TOTAL INCOME (INR Crores) 632 642 11,316 10,956 2,881 601 2,683 10,778 2,275 2,065 582 10,485 10,463 1,997 562 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY2
Slide 18: Standalone Quarterly Progress (2/3)
STANDALONE QUARTERLY PROGRESS (2/3) BRANCHES EMPLOYEES NEW CLIENTS ADDED (Lakhs) 1,487 15,451 15,189 1,454 15,153 14,944 1,421 2.5 1,361 2.3 1,301 12,997 1.6 1.9 1.6 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 AUM / BRANCH (
Slide 19: Standalone Quarterly Progress (3/3)
STANDALONE QUARTERLY PROGRESS (3/3) MARGIN ANALYSIS (%) CREDIT COST (%) 23.81% 7.35% 22.09% 22.95% 23.06% 20.34% 5.11% 4.84% 13.38% 13.68% 14.69% 13.48% 11.81% 3.81% 2.63% 8.71% 9.27% 9.12% 8.53% 9.58% Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q1-FY25 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Gross Yield Financ
Slide 20: Asset Quality and Provisions
ASSET QUALITY AND PROVISIONS PAR TREND NNPA & COVERAGE RATIO 6.8% Overall 6.4% Coverage 91.4% 99.2% 99.2% 89.2% 97.3% 5.8% Ratio 5.7% 3.9% 3.7% 3.7% 5.2% 3.5% 4.9% 4.6% 4.9% 5.0% 2.7% 4.3% 4.6% 2.4% 2.3% 4.4% 2.2% 2.4% 3.7% 4.2% 1.7% 1.4% 1.5% 1.4% 1.4% 3.9% 3.7% 1.1% 3.1% 3.5% 3.7% 2.7% Q1-FY25 Q2-
Slide 21: State Wise Performance
STATE WISE PERFORMANCE On-book % of CE % Geographic Strength Supports Overall Portfolio Particulars Portfolio On-book PAR 90 Q1-FY26 Resilience (INR Crores) Portfolio Uttar Pradesh 2,134 24.6% 94.6% 3.2% • Temporary increase in PAR is a reflection of the cyclical nature of Q1 on account of harvestin
Slide 22: Annexure
ANNEXURE SATIN CREDITCARE NETWORK LTD. 21
Slide 23: Diversified Product Offerings
DIVERSIFIED PRODUCT OFFERINGS Particulars Satin Creditcare Network Ltd. Satin Housing Finance Ltd. Satin Finserv Ltd. Product features Microfinance(1) Housing Finance MSME as of Jun’25 Unsecured micro loans to economically active Affordable & micro housing solutions for Working capital, machinery lo
Slide 24: Business Details
BUSINESS DETAILS Particulars Q1-FY26 Q1-FY25 YoY% Q4-FY25 QoQ% AUM (INR Crores) 12,499 11,706 6.8% 12,784 (2.2)% SCNL 10,956 10,485 11,316 On-book 8,668 8,021 8,722 Off-book 2,288 2,464 2,594 SHFL 961(1) 769 920 SFL 582 452 548 Retail MSME 551 353 516 AUM Mix (INR Crores) 12,499 11,706 6.8% 12,784 (
Slide 25: Capital Market Information
CAPITAL MARKET INFORMATION NSE: SATIN BSE: 539404 BLOOM: SATIN:IN SHAREHOLDING PATTERN AS ON 30th JUNE, 2025 Price Data INR Face Value 10.0 36.2% Market Price 169.8 52 Week H/L 232.0/131.8 11.1% Market Cap (INR Crores) 1,875.8 7.2% Equity Shares Outstanding (Crores) 11.0 4.3% 22.4% 1 Year Avg Tradin
Slide 26: Glossary
GLOSSARY 1. Gross Yield represents the ratio of total Income in the relevant period to the Average AUM 2. Financial Cost Ratio represents the ratio of Interest Expense in the relevant period to the Average AUM 3. Net Interest Margin represents the difference between the Gross Yield and the Financial
Slide 27: Disclaimer
DISCLAIMER Satin Creditcare Network Limited: This presentation and the accompanying slides (the “Presentation”), which have been prepared by Satin Creditcare Network Limited (the “Company”), have been prepared solely for information purposes and do not constitute and should not be construed as, any
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