Satin Creditcare Network Ltd · NSE:SATIN
Satin Creditcare Network — Investor Presentation (October 2025)
40 slides from Satin Creditcare Network's investor presentation, Oct 31, 2025
Slide 1: Investor Presentation intimation to stock exchanges
October 31, 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: Analyst Day Presentation
Z < Nn \ r 4 o bh ~ r 4 Li v) Li x a. Z a) -E Ww) a < z <
Slide 3: Management Speakers
MANAGEMENT SPEAKERS Dr. HP Singh Sunil Yadav Jugal Kataria Aditi Singh Anil Kwatra Chairman cum Chief Information Group Controller Chief Strategy Officer Chief Business Officer Managing Director Officer 40+ Years of Industry 25+ years associated 7+ years associated 8+ years associated 9+ years assoc
Slide 4: Other Key Management Personnel Present Today
OTHER KEY MANAGEMENT PERSONNEL PRESENT TODAY Manoj Agrawal Dhiraj Jha Amit Sharma Rupinder Kalia Chief Financial Officer Director & CEO - SFL MD & CEO - SHFL MD & CEO - Satin Tech Anil Gupta Pramod Marar Varun Shankardass Business Head - Products CEO - SFL Head – Product, Strategy 3
Slide 5: India's Microfinance Journey
INDIA’S MICROFINANCE JOURNEY From Fragmented to Formalized
Slide 6: India's Pre-Microfinance Era: The Credit Access Divide
INDIA’S PRE - MICROFINANCE ERA: THE CREDIT ACCESS DIVIDE Limited Formal Credit ` Informal Lending Sparse Bank Presence Only 8 -10% of rural households had ~45% of rural credit came Only 1 branch per 17 villages; access to formal loans pre - 2000s: from money lenders; poor digital access <40% unbanke
Slide 7: India's Microfinance Sector Today
INDIA’S MICROFINANCE SECTOR TODAY Industry Size Growth INR 3.75 lakh crore gross loan ~9.5% CAGR (FY22 - FY25) portfolio (FY2025) Borrowers Women Share ~71 million borrowers 97% women borrowers Rural Reach Loan Ticket Size 80% rural clients Average loan: INR 50,131 Institutional Mix Digital Penetrat
Slide 8: Microfinance: Building Momentum Again
MICROFINANCE: BUILDING MOMENTUM AGAIN • India’s GDP projected to grow 6.6% in FY26, supported by rising rural consumption and 1 Strong Macro Tailwinds income recovery driving credit demand. Expanding Rural Credit • Rural India now forms ~80% of the total MFI loan book, with presence across 92% of di
Slide 9: Satin Creditcare Network Ltd.
SATIN CREDITCARE NETWORK LTD.
Slide 10: Empowering Dreams: The Vision That Founded Satin
EMPOWERING DREAMS: THE VISION THAT FOUNDED SATIN CREDITCARE NETWORK LTD. Serving the Tailored Bridging Credit Gap Underserved Repayment Model Identified lack of formal credit access Designed to empower low - income Introduced Bi -Weekly collection for small shopkeepers and micro - borrowers through
Slide 11: Highly Accomplished Board of Directors
HIGHLY ACCOMPLISHED BOARD OF DIRECTORS Dr. HP Singh Mr. Satvinder Singh Mr. Joydeep Datta Gupta Chairman cum Managing Director Non - Independent Director Independent Director Experienced Leader in Microfinance Experienced Leader in Experienced Leader in Professional & Financial Inclusion Consumer Ma
Slide 12: Navigating Challenges: Learnings from Industry Shocks
NAVIGATING CHALLENGES: LEARNINGS FROM INDUSTRY SHOCKS Demonetization Covid - 19 Recent Industry Turmoil • Implementation of best - in - class • Technology and Underwriting • Enhanced underwriting discipline technology • Fund Raising Much before guardrails • Diversifying geographical • Amalgamation o
Slide 13: Satin Creditcare: 35+ Years of Financial Empowerment
SATIN CREDITCARE : 35+ YEARS OF FINANCIAL EMPOWERMENT #3 in terms of AUM #3 in terms of Customer Base #1 in terms of Geographic presence Consistently ranked amongst Top 10 in terms of GLP 12
Slide 14: Diversified Geographical Presence
DIVERSIFIED GEOGRAPHICAL PRESENCE 1,713 1 DISTRICTS, STATES AND BRANCHES No. of Branches 1 1,224 1,286 1,393 1,568 1,713 80 22 29 118 55 7 3 23 24 26 31 1 No. of Regional Offices 318 2 105 144 197 3 404 405 421 529 550 ~550 49 133 52 158 15 1 FY22 FY23 FY24 FY25 H1-FY26 No. of Districts 37 96 Distri
Slide 15: E: Commitment to Environmental Stewardship
E: COMMITMENT TO ENVIRONMENTAL STEWARDSHIP ENERGY ENVIRONMENTAL GREEN LENDING RESOURCE MANAGEMENT CONSERVATION INITIATIVES OPTIMIZATION PRACTICES Enhancing efficiency Promoting sustainability Advancing green Optimizing resources through energy by addressing climate lending to foster through efficien
Slide 16: S: Community Connect Activities Centered Around SDGs
S: COMMUNITY CONNECT ACTIVITIES CENTERED AROUND SDGS Lives Impacted – ~2,500 Lives Impacted – 2,6 40 Lives Impacted – 21,562 Lives Impacted – 4,400 Enriching the growth of Financial literacy Flood relief camps in Held 36 health camps in students at GNA workshops Assam, Gujarat, Bihar, West Bengal wi
Slide 17: G: Commitment to Transparency, Accountability, and Integrity
G: COMMITMENT TO TRANSPARENCY, ACCOUNTABILITY, AND INTEGRITY Fair, merit - based compensation with transparent evaluations to drive talent retention and productivity. Tech - driven governance ensuring transparency Full - scale Transparency In and zero non - compliance since inception. Loan Disclosur
Slide 18: Microfinance
MICROFINANCE
Slide 19: Microfinance: Small Loans, Big Impact
MICROFINANCE : SMALL LOANS, BIG IMPACT SCNL offers diverse micro - loan services through the Joint Liability Group model, providing unsecured credit to economically active women in rural and semi - urban areas. AUM and Total Revenue (INR Crores) AUM INR 11,044 Crores 11,316 11,044 10,593 No. of Stat
Slide 20: Delivering Industry-Leading Portfolio Quality Through Operational Capabilities
DELIVERING INDUSTRY - LEADING PORTFOLIO QUALITY THROUGH OPERATIONAL CAPABILITIES LOAN LIFE CYCLE KEY INITIATIVES BENEFITS Scenario - Based Planning & Stress Budgeting Macro - factor forecast Testing Resilience to External Shocks Digitized Onboarding Detailed HHI assessment Better Portfolio Quality a
Slide 21: Tech Video
TECH VIDEO
Slide 22: Excellence in Execution. Leadership in Performance.
EXCELLENCE IN EXECUTION. LEADERSHIP IN PERFORMANCE.
Slide 23: Strong Growth Trajectory
STRONG GROWTH TRAJECTORY All Figures in INR Crores AUM Trend 10,593 11,316 11,044 7,929 6,409 FY22 FY23 FY24 FY25 H1-FY26 Disbursements Trend 9,691 9,837 7,390 4,031 4,487 FY22 FY23 FY24 FY25 H1-FY26 22
Slide 24: Operational Performance
OPERATIONAL PERFORMANCE BRANCHES EMPLOYEES CLIENTS (Lakhs) 1,616 15,343 15,189 33.4 32.9 32.4 1,454 25.6 10,736 11,363 24.5 9,222 1,236 1,078 1,029 FY22 FY23 FY24 FY25 H1-FY26 FY22 FY23 FY24 FY25 H1-FY26 FY22 FY23 FY24 FY25 H1-FY26 AUM / BRANCH (INR Crores) AUM / LOAN OFFICER (INR Crores) DISBURSEME
Slide 25: Guardrails 2.0 Implementation
GUARDRAILS 2.0 IMPLEMENTATION 1 Number of microfinance lenders per borrower 2 Total microfinance indebtedness limit of INR. 2 Lacs Lender Overlap At the time of At the time of Loan Exposure (Clients %) disbursement disbursement Only Satin 47% Below 50k 75% Satin +1 31% 50k to 99k 19% Satin +2 17% 1
Slide 26: Robust Asset Quality and Prudent Provisions
ROBUST ASSET QUALITY AND PRUDENT PROVISIONS PAR TREND NNPA & COVERAGE RATIO 9.4% 9.0% 83.7% 64.0% 83.0% 89.2% 105.2% 8.5% 9.0% 8.0% 8.0% 8.0% 5.8% 7.0% 6.7% 4.9% 6.0% 4.9% 4.6% 4.2% 5.0% 3.8% 3.2% 4.2% 3.5% 3.7% 3.6% 4.0% 3.3% 3.5% 3.7% 3.4% 3.7% 3.3% 3.5% 3.3% 3.0% 2.8% 2.4% 2.5% 2.1% 2.1% 2.5% 2.0
Slide 27: Built on a Strong & Balanced Funding Base
BUILT ON A STRONG & BALANCED FUNDING BASE LARGE LENDER BASE 72 Active Lenders PRODUCT WISE LENDER WISE Top 10 Lending Partners % Share 0.5% HSBC 9.9% Term loan & PTC 9.5% Banks State Bank of India 9.5% 16.1% 4.9% DA Bank of Maharashtra 9.1% 16.6% Overseas fund 12.0% NCD Bank of Baroda 7.2% 50.7% NBF
Slide 28: Financial Performance
FINANCIAL PERFORMANCE FY22 FY23 FY24 FY25 H 1- FY26 Gross Yield 18.44% 19.55% 22.14% 21.70% 24.30% Cost of borrowing 8.86% 8.04% 8.99% 8.67% 10.36% NIM 9.58% 11.51% 13.15% 13.03% 13.94% Operating Expense Ratio 6.20% 6.25% 5.60% 6.31% 6.98% Loan Loss Ratio 2.51% 5.42% 1.44% 4.59% 4.79% RoA 0.53% 3.52
Slide 29: Benefit of Positive ALM Continues
BENEFIT OF POSITIVE ALM CONTINUES 27.7 27.0 25.9 25.5 24.3 18.2 17.8 17.1 17.3 16.0 FY22 FY23 FY24 FY25 H1-FY26 Avg. maturity of Assets Avg. maturity of Liabilities • Maintained a sustained positive ALM gap . This enhances the company’s liquidity profile and significantly mitigates refinancing risk
Slide 30: Staying Ahead of the Curve
STAYING AHEAD OF THE CURVE Recorded the lowest average credit 17 Consecutive quarters of Maintained one of the highest average cost of 3.3% over six years among profitability despite challenging RoA of 2.1% and RoE of 9.1% over listed peers times six years among listed peers Sustained robust capital
Slide 31: Strategy
STRATEGY
Slide 32: 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 Satin and its 100% Subsidiaries Beyond Strategic shift Bridging the Leveraging our Entered the microfinance, from unsecured missing middle techno
Slide 33: Housing Finance
HOUSING FINANCE Satin Housing Finance Limited (SHFL), a wholly owned subsidiary, offers affordable housing finance products tailored for low - and middle - income families predominantly in the rural market. AUM INR 1,022 Crores AUM and Total Revenue (INR Crores) No. of States and UTs 22 1,022 920 Te
Slide 34: MSME & Green Finance
MSME & GREEN FINANCE Satin FinServ Limited (SFL), founded in 2018, provides customized financial solutions to support India’s vital MSME sector. SFL specifically targets underserved entrepreneurs seeking small - ticket business loans ( ≤ INR 2 lakh) secured by collateral —tapping into a significant
Slide 35: Satin Technologies – Leveraging In-House Technology
SATIN TECHNOLOGIES – LEVERAGING IN - HOUSE TECHNOLOGY Focused on developing innovative, cutting - edge technological solutions, with a strong emphasis on financial services. Leveraging technology to enhance efficiency, scalability, and customer experience in a rapidly evolving digital landscape. Off
Slide 36: Satin Growth Alternatives
SATIN GROWTH ALTERNATIVES – FROM LAST - MILE BORROWERS TO FUTURE FINANCING SOLUTIONS Launching Category II Targets in key Fund led by an all - Built on ESG principles , Focus on MSME, Alternative Investment livelihood sectors , women Board and supporting inclusive Green and women led Fund (AIF) to p
Slide 37: Satin Saathi – Creating One of the Largest Rural Networks
SATIN SAATHI – CREATING ONE OF THE LARGEST RURAL NETWORKS RURAL - FOCUSED GROWTH Tapping India’s Fastest Growing Consumption Story ENTREPRENEURSHIP DRIVE Empowering Rural Minds to Become Entrepreneurs STRONG BRAND TIE - UPS Trusted Brands, Trusted Reach PRODUCT PORTFOLIO Driving Green & Aspirational
Slide 38: Focused Growth Strategies
FOCUSED GROWTH STRATEGIES BUSINESS EXPANDING PROFITABILITY STRENGTHNING TECHNOLOGY DIVERSIFICATION PRODUCT REACH THROUGH NATIONAL INTEGRATION TO LOYAL CLIENTS EFFICIENCY FOOTPRINT Focus beyond Offering affordable Focus is on boosting Strong presence Investing in traditional housing and retail profit
Slide 39: Strategic Diversification with AUM Growth
STRATEGIC DIVERSIFICATION WITH AUM GROWTH 2019 H1- FY26 2030 T AUM Mix AUM Mix AUM Mix 4% 1% 7% 10% 8% 15% 75% 95% 85% Microfinance Housing Finance MSME Finance Microfinance Housing Finance MSME Finance Microfinance Housing Finance MSME Finance AUM Growth (INR Crores) T - Target 7,068 12,687 25,000
Slide 40: Thank You
THANK YOU
Satin Creditcare Network — Investor Presentation (October 2025) on 6ix