Satin Creditcare Network Ltd · NSE:SATIN
Satin Creditcare Network — Q2/H1 FY26 Earnings Presentation
27 slides from Satin Creditcare Network's earnings presentation, Oct 29, 2025
Slide 1: Intimation of Investor Presentation to NSE and BSE
October 29, 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: Investor Presentation Q2/H1-FY26
Satin Creditcare Network Ltd. INVESTOR PRESENTATION Q2/H1-FY26
Slide 3: Keeping the Growth Story Intact
KEEPING THE GROWTH STORY INTACT INR 12,687 Crores INR 4,868 Crores ~33 Lakhs 1,713 16,950 Consolidated AUM Disbursement Active Clients Branches Employees 8% YoY 3% YoY 17% YoY 2% YoY $ INR 413 Crores 13.58% 4.50% 1.61% 7.61% PPoP NIM Credit Cost ROA ROE 45 bps YoY Standalone 3.52% 26.32% 99.5% 72 Lo
Slide 4: Ahead of the Game
AHEAD OF THE GAME Recorded the lowest average 17 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, with and RoE of 9.1% over six lev
Slide 5: An Unparalleled Vision Beyond Finance
AN UNPARALLELED VISION BEYOND FINANCE CREATING A UNIQUE USP AS A DIVERSIFIED, TECH-LED COMPANY 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 long term sustainab
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 26 STATES AND 5 UTs 1,286 1,393 1,568 1,713 29 31 24 26 No. of Branches 1 405 421 529 550 1 80 FY23 FY24 FY25 H1-FY26 22 No. of Regional 55 Districts States# Branches 7 3 Offices 1 CLIENTS (LAKHS)^ 318 144 2 105 28.3 34
Slide 8: Built on a Strong & Balanced Funding Base
BUILT ON A STRONG & BALANCED FUNDING BASE PRODUCT WISE LENDER WISE LARGE LENDER BASE 72 Active Lenders 0.5% Top 10 Lending Partners % Share 16.1% Term loan & PTC 9.5% Banks 4.9% HSBC 9.9% DA Overseas fund 12.0% State Bank of India 9.5% NCD 16.6% 50.7% NBFC Bank of Maharashtra 9.1% ECB 20.7% 69.0% Do
Slide 9: Q2/H1-FY26 Performance
Q2/H1-FY26 PERFORMANCE SATIN CREDITCARE NETWORK LTD. 8
Slide 10: Operational Highlights
OPERATIONAL HIGHLIGHTS Sustained Profitability: Q2-FY26 marked the 17th consecutive quarter of profitability, further underscoring our consistent performance Steady Disbursement Momentum: Maintained consistent disbursements of INR 2,421 Crores in Q2-FY26, resulting in a growth of 6.4% YoY Asse
Slide 11: Q2/H1-FY26 Standalone Highlights
Q2/H1-FY26 STANDALONE HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y AUM 11,044 10,956 10,463 11,044 10,463 0.8% 5.6% 5.6% (INR Crores) Disbursement 2,421 2,065 17.2% 2,275 6.4% 4,487 4,272 5.0% (INR Crores) Active Clients 32.4 32.2 0.6% 33.9 4.4% 32.4 33.9 4.4% (Lakhs) x Branc
Slide 12: Q2/H1-FY26 Standalone Financial Highlights
Q2/H1-FY26 STANDALONE FINANCIAL HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Gross Yield 26.05% 23.06% 22.95% 24.30% 22.47% Cost of 11.36% 9.58% 9.27% 10.36% 8.97% Borrowing NIM 14.69% 13.48% 13.68% 13.94% 13.50% Operating Expense Ratio 7.42% 6.68% 6.38% 6.98% 5.95% Loan Loss
Slide 13: Standalone Income Statement
STANDALONE INCOME STATEMENT Income Statement ( INR Crores) Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Interest Income 539 543 (0.8)% 511 5.4% 1,082 1,022 5.9% Less: Finance Cost 238 239 (0.1)% 235 1.6% 477 463 3.1% Less: Forex Loss 74 28 163.1% 8 - 102 10 - MTM Gains 83 27 206.7% 0 -
Slide 14: Q2/H1-FY26 Consolidated Highlights
Q2/H1-FY26 CONSOLIDATED HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y AUM 12,687 12,499 11,749 12,687 11,749 (INR Crores) 1.5% 8.0% 8.0% Disbursement 2,626 2,242 17.1% 2,619 0.3% 4,868 4,733 2.9% (INR Crores) Active Clients 33.3 32.9 1.0% 34.6 3.9% 33.3 34.6 3.9% (Lakhs) Branc
Slide 15: Q2/H1-FY26 Consolidated Financial Highlights
Q2/H1-FY26 CONSOLIDATED FINANCIAL HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Gross Yield 25.18% 22.57% 22.42% 23.65% 21.90% Cost of 10.94% 9.40% 9.08% 10.07% 8.76% Borrowing NIM 14.25% 13.17% 13.35% 13.58% 13.13% Operating 7.51% 6.80% 6.60% 7.09% 6.17% Expense Ratio Loan 4.
Slide 16: Consolidated Income Statement
CONSOLIDATED INCOME STATEMENT Income Statement (INR Crores) Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Interest Income 597 601 (0.5)% 555 7.6% 1,199 1,102 8.7% Less: Finance Cost 270 269 0.5% 258 4.7% 539 507 6.2% Less: Forex Loss 74 28 163.1% 8 - 102 10 - MTM Gains 83 27 206.7% 0 - 1
Slide 17: Standalone Quarterly Progress (1/3)
STANDALONE QUARTERLY PROGRESS (1/3) AUM (INR Crores) DISBURSEMENT (INR Crores) TOTAL INCOME (INR Crores) 11,316 716 632 642 11,044 2,881 601 10,956 2,683 562 10,778 2,275 2,421 2,065 10,463 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY2
Slide 18: Standalone Quarterly Progress (2/3)
STANDALONE QUARTERLY PROGRESS (2/3) BRANCHES EMPLOYEES NEW CLIENTS ADDED (Lakhs) 1,616 15,451 15,343 1,454 1,487 1,421 15,153 15,189 2.3 1,361 1.6 1.9 14,944 1.6 1.5 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 AUM / BRANCH (
Slide 19: Standalone Quarterly Progress (3/3)
STANDALONE QUARTERLY PROGRESS (3/3) MARGIN ANALYSIS (%) CREDIT COST (%) 7.35% 26.05% 22.95% 23.81% 23.06% 20.34% 5.11% 4.84% 4.83% 13.68% 14.69% 13.48% 14.69% 3.81% 11.81% 11.36% 9.27% 9.12% 8.53% 9.58% Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Gross Yield Finan
Slide 20: Asset Quality and Provisions
ASSET QUALITY AND PROVISIONS PAR TREND NNPA & COVERAGE RATIO 6.8% Overall 6.4% Coverage 99.2% 99.2% 89.2% 97.3% 105.2% 5.8% 5.8% Ratio 5.7% 3.9% 3.7% 3.7% 5.2% 3.5% 3.5% 4.9% 4.9% 4.9% 5.0% 4.3% 4.6% 2.4% 2.3% 4.4% 4.2% 2.2% 2.4% 2.3% 4.2% 1.5% 1.4% 1.4% 3.9% 1.4% 1.2% 3.7% 3.7% 3.5% 3.5% Q2-FY25 Q3
Slide 21: State Wise Performance
STATE WISE PERFORMANCE On-book % of CE % Particulars Portfolio On-book PAR 90 Q2-FY26 (INR Crores) Portfolio Geographic Strength Supports Overall Portfolio Uttar Pradesh 1,953 23.5% 93.8% 3.2% Resilience Assam 1,260 15.1% 99.9% 0.1% Q2 has shown a recovery in asset quality, backed Bihar 1,220 14.7%
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 Sep’25 Unsecured micro loans to economically active Affordable & micro housing solutions for Working capital, machinery lo
Slide 24: Business Details
BUSINESS DETAILS Particulars Q2-FY26 Q2-FY25 YoY% Q1-FY26 QoQ% AUM (INR Crores) 12,687 11,749 8.0% 12,499 1.5% SCNL 11,044 10,463 10,956 On-book 8,321 8,109 8,668 Off-book 2,723 2,354 2,288 SHFL 1,022(1) 850 961 SFL 621 435 582 Retail MSME 590 396 551 AUM Mix (INR Crores) 12,687 11,749 8.0% 12,499 1
Slide 25: Capital Market Information
CAPITAL MARKET INFORMATION NSE: SATIN BSE: 539404 BLOOM: SATIN:IN SHAREHOLDING PATTERN AS ON 30th SEP, 2025 Price Data INR Face Value 10.0 36.2% Market Price 145.1 52 Week H/L 199.3/131.8 11.1% Market Cap (INR Crores) 1,602.9 5.2% 3.9% Equity Shares Outstanding (Crores) 11.0 23.3% 1 Year Avg Trading
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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