Satin Creditcare Network Ltd · NSE:SATIN
Satin Creditcare Network — Investor Presentation (March 2026)
51 slides from Satin Creditcare Network's investor presentation, March 2026
Slide 1: Satin Creditcare Network Ltd Corporate Presentation
Satin Creditcare Network Ltd CORPORATE PRESENTATION March 2026
Slide 2: Enhanced Growth, Profitability & Asset Quality
ENHANCED GROWTH, PROFITABILITY & ASSET QUALITY 13,341 Crores 8,094 Crores ~33 lakhs 1,987 18,240 AUM Disbursement Active Clients Branches Employees Consolidated 10% YoY 7% YoY 29% YoY 7% YoY 224 Crores 14.25% 4.03% 2.22% 10.82% PPoP NIM Credit Cost ROA ROE 5% YoY 18 bps YoY 265 bps YoY 171 bps YoY 8
Slide 3: Company Overview
COMPANY OVERVIEW SATIN CREDITCARE NETWORK LTD. 3
Slide 4: Satin Creditcare – A Legacy of More Than 3 Decades
SATIN CREDITCARE – A LEGACY OF MORE THAN 3 DECADES AUM AND TOTAL REVENUE (INR Crores) Among the top NBFC-MFIs in India — third largest by AUM and customer base, leader in geographic 12,784 13,341 11,850 presence, and consistently ranked in the Top 10 by GLP 9,115 Established in 1990 by Dr. HP Singh
Slide 5: Journey So Far
JOURNEY SO FAR 1990-2000 2000-2010 2010-2015 2015-2020 2020-2025 1990 2008 2011 2016 2022-2023 • Date of inception of Satin- • Started JLG Model in May 2008 • Raised INR 18 crores from Danish • Acquired TFSL in Sep’16 • Successfully completed preferential October 16, 1990 Micro Finance Partners K/S
Slide 6: The Man Behind the Vision
The Man Behind the Vision Dr. HP Singh, Chairman cum Managing Director of Satin Creditcare Network Limited (SCNL), is a visionary entrepreneur who transformed a grassroots need into one of India’s leading microfinance institutions. After earning his Law degree and qualifying as a Chartered Accountan
Slide 7: 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 Mark
Slide 8: Experienced Management Team
EXPERIENCED MANAGEMENT TEAM Dr. HP Singh Jugal Kataria Aditi Singh Anil Kwatra Sunil Yadav CMD Group Controller Chief Strategy Officer Chief Business Officer Chief Information Officer 40+ Years of Industry Experience 25 years associated with Satin 7 years associated with Satin 8 years associated wit
Slide 9: Awards and Accolades
AWARDS AND ACCOLADES Awarded Gold for the Recognized as a ‘Top ▪ Dr. HP Singh bestowed with the ‘India’s Most Trusted Leader’ Award by ‘Best API Project’ at 50 Companies with the 2023 Treasury Great Managers’ at GPTW, India Management the Great Managers International Awards Award for the 4th time ▪
Slide 10: Diversified Geographical Presence
DIVERSIFIED GEOGRAPHICAL PRESENCE DISTRICTS, STATES AND BRANCHES PRESENCE ACROSS 26 STATES AND 5 UTs 1,987 1,286 1,393 1,568 1,987 26 29 31 24 No. of Branches 1 558 405 421 529 131 1 105 FY23 FY24 FY25 9M-FY26 27 No. of Regional Districts States # Branches 73 7 3 Offices 1 CLIENTS (LAKHS)^ 376 168 5
Slide 11: Business Overview
BUSINESS OVERVIEW SATIN CREDITCARE NETWORK LTD. 11
Slide 12: Microfinance
MICROFINANCE Joint Liability Group Mechanism AUM INR 11,201 Crores SCNL offers diverse micro-loan services through the Joint Liability Group model, providing unsecured credit to No. of States and UTs 28 economically active women in rural and semi-urban Tenure 6-48 Months areas. Average Ticket Size I
Slide 13: Operational Capabilities Backed by Robust Processes
OPERATIONAL CAPABILITIES BACKED BY ROBUST PROCESSES LOAN LIFE CYCLE KEY INITIATIVES BENEFITS • Digitized Onboarding • Detailed HHI assessment Better portfolio quality Onboarding • OTP validations at client onboarding & • Geo tagging at every touch point in the as compared to industry disbursement le
Slide 14: Tech-Led Evolution: Enhancing Efficiency & Deepening Customer Engagement
TECH-LED EVOLUTION: ENHANCING EFFICIENCY & DEEPENING CUSTOMER ENGAGEMENT In-house robust technology team E-Sign of Aadhaar and Loan Documents through IRIS and Fingerprint • Secured and Instant verification • Enhanced security and authentication A unified, in-house built SATIN_ERP platform for LOS an
Slide 15: New Frontiers Unlocked Through Focused Subsidiaries
NEW FRONTIERS UNLOCKED THROUGH FOCUSED SUBSIDIARIES SATIN CREDITCARE NETWORK LTD. 15
Slide 16: Housing Finance
HOUSING FINANCE AUM INR 1,101 Crores Satin Housing Finance Limited (SHFL), a wholly owned subsidiary, offers affordable housing finance No. of States and UTs 22 products tailored for low- and middle-income families. Tenure 24-240 Months Average Ticket Size INR 15,51,000 SHFL offers competitive loans
Slide 17: Sustainable & Emerging Businesses
SUSTAINABLE & EMERGING BUSINESSES AUM INR 759 Crores Satin Finserv Limited (SFL), founded in 2018, provides customized financial solutions to support India’s vital MSME sector. No. of States and UTs 11 Tenor Upto 60 months The company offers a comprehensive range of sustainable and emerging business
Slide 18: Satin Technologies – Leveraging In-House Technology
SATIN TECHNOLOGIES – LEVERAGING IN-HOUSE TECHNOLOGY • Rolled out a wholly owned subsidiary focused on innovating and developing cutting- edge technological solutions across various industries, with a strong emphasis on financial services • Offers an advanced Human Resource Management System (HRMS) a
Slide 19: QTrino – Foraying in Post Quantum Cryptography
QTRINO – FORAYING IN POST QUANTUM CRYPTOGRAPHY Early Entry into Post-Quantum Cryptography IIT-Incubated Deep-Tech Research & IP: (PQC): Strong academic lineage from IIT Patna, with Positions Satin in the fast-emerging quantum-safe proprietary IP in post-quantum algorithms, cybersecurity market, addr
Slide 20: Satin Growth Alternatives – From Last-Mile Borrowers to Future Financing Solutions
SATIN GROWTH ALTERNATIVES – FROM LAST-MILE BORROWERS TO FUTURE FINANCING SOLUTIONS Category II Alternative Investment Fund (AIF CAT II) Built on ESG principles, the initiative under SEBI regulations, aimed at aligns with SATIN’s broader mission providing vital debt capital to of inclusive growth and
Slide 21: Operations
OPERATIONS SATIN CREDITCARE NETWORK LTD. 21
Slide 22: Consistently Growing and Diversifying the AUM
CONSISTENTLY GROWING AND DIVERSIFYING THE AUM Consolidated AUM Consolidated AUM (INR Crores) INR 12,784 crores (as on 31-March-2025) 6% Pre-COVID Post-COVID 7% 5,757 7,069 8,174 8,379 7,617 9,115 11,850 12,784 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 87% MFI Flatter Growth trajectory post COVID on ac
Slide 23: Built on a Strong & Balanced Funding Base
BUILT ON A STRONG & BALANCED FUNDING BASE PRODUCT WISE LENDER WISE LARGE LENDER BASE 73 Active Lenders 0.2% Top 10 Lending Partners % Share 15.3% Term loan & PTC 8.5% Banks 5.5% State Bank Of India 8.7% DA Overseas fund 11.1% Bank Of Maharashtra 8.4% 15.0% 51.5% NCD NBFC HSBC 7.4% ECB 21.9% 71.0% Do
Slide 24: Prudent ALM Management
PRUDENT ALM MANAGEMENT Benefit of Positive ALM Continues 27.7 27.0 25.9 24.3 • Maintained a sustained positive ALM gap. This enhances the 16.0 18.2 17.8 17.1 company’s liquidity profile and significantly mitigates refinancing risk • The company is well-positioned to meet all debt obligations comfort
Slide 25: Robust Asset Quality and Prudent Provisions
ROBUST ASSET QUALITY AND PRUDENT PROVISIONS PAR TREND NNPA & COVERAGE RATIO 4.9% 64.0% 83.0% 89.2% 94.8% 4.7% 4.6% 4.0% 3.7% 3.8% 4.2% 3.3% 3.3% 4.1% 3.5% 3.2% 3.7% 3.0% 3.6% 3.7% 2.5% 2.3% 3.3% 3.4% 3.3% 2.8% 1.8% 2.2% 2.0% 1.5% 2.5% 1.5% 1.4% 1.1% 1.0% 1.0% 0.0% FY 23 FY 24 FY 25 9M-FY26 FY 23 FY
Slide 26: ESG
ESG SATIN CREDITCARE NETWORK LTD. 26
Slide 27: ESG – From Foundations to Global Validation
ESG – FROM FOUNDATIONS TO GLOBAL VALIDATION S&P Global CSA Score: 59 | First Attempt Assessment – Translating Purpose intro Progress Independent Global Validation ✓ S&P Global Corporate Sustainability Assessment (SCA) Score: 59 ✓ Assessed across a comprehensive range of Environmental, Social and Gov
Slide 28: E: Our Commitment to Environmental Stewardship
E: OUR COMMITMENT TO ENVIRONMENTAL STEWARDSHIP ENERGY ENVIRONMENTAL GREEN LENDING RESOURCE MANAGEMENT CONSERVATION INITIATIVES OPTIMIZATION PRACTICES • Efficient energy use to reduce costs and • Address climate risks that affect • Green lending to help communities adopt • Optimize water and space us
Slide 29: S: Strengthening Communities, Building Trust
S: STRENGTHENING COMMUNITIES, BUILDING TRUST CUSTOMER CENTRIC FINANCIAL STRENGH AND BUILDING TRUST EMPOWERING EMPOWERED TEAMS: APPROACH STRATEGIC GROWTH THROUGH SATISFACTION COMMUNITIES DRIVING ENGAGEMENT & EXCELLENCE • Tailored financial services • Address climate risks impacting • Treat customer s
Slide 30: S: Community Connect Activities Centered Around SDGs
S: COMMUNITY CONNECT ACTIVITIES CENTERED AROUND SDGS ENRICHING THE GROWTH OF FINANCIAL LITERACY WORKSHOPS FLOOD RELIEF CAMPS HEALTH CAMPS STUDENTS AT GNA UNIVERSITY WITH MFIN AND SA-DHAN • Supported underprivileged • Conducted 48 workshops across • Supported clients affected by • Held 36 health camp
Slide 31: G: Commitment to Transparency, Accountability, and Integrity
COMMITMENT TO TRANSPARENCY, ACCOUNTABILITY, AND G: INTEGRITY STRONG CORPORATE GOVERNANCE ISO 27001:2022 CERTIFIED COMPREHENSIVE GOVERNANCE INDEPENDENT AND DIVERSE FRAMEWORK INFORMATION SECURITY FRAMEWORK POLICY SUITE BOARD GOVERNANCE • Tech-driven monitoring tools for oversight • Strict policies and
Slide 32: G: Driving Success Through Stakeholder Engagement
G: DRIVING SUCCESS THROUGH STAKEHOLDER ENGAGEMENT ROBUST DATA EMPOWERED TRANSPARENT AND SECURE ETHICAL AND INCLUSIVE SECURITY INFRASTRUCTURE EMPLOYEE GRIEVANCE MECHANISM WHISTLE-BLOWER MECHANISM RESPONSIBLE LENDING PRACTICES • Protect workstations with antivirus, • "Atoot Bandhan“ platform for • Saf
Slide 33: G: Comprehensive Audits, Encompasses All Activities
G: COMPREHENSIVE AUDITS, ENCOMPASSES ALL ACTIVITIES Revenue Assurance Cost Optimization ✓ Interest Income ✓ Finance Charges – ✓ Portfolio Internal Loans and Borrowings Recomputation - Dues Financial ✓ Payroll Expenses ✓ Fees Income Controls ✓ Operating Expenses – ✓ Treasury Income Head Office and Br
Slide 34: Strategic Overview
STRATEGIC OVERVIEW SATIN CREDITCARE NETWORK LTD. 34
Slide 35: Focused Growth Strategies
FOCUSED GROWTH STRATEGIES BUSINESS EXPANDING PRODUCT TECHNOLOGY STRENGTHNING PROFITABILITY DIVERSIFICATION REACH TO LOYAL CLIENTS INTEGRATION NATIONAL FOOTPRINT THROUGH EFFICIENCY • The group is expanding its focus • Affordable housing and retail • Investing in advanced technology • Strong presence
Slide 36: Strategic Diversification with AUM Growth
STRATEGIC DIVERSIFICATION WITH AUM GROWTH 2019 9M-FY2026 2030 T AUM Mix AUM Mix AUM Mix 5% 16% 30% 70% 95% 84% Microfinance Non-Microfinance Microfinance Non-Microfinance Microfinance Non-Microfinance AUM Growth (INR CRORES) 25,000 T 13,341 7,068 T - Target 36
Slide 37: Industry Overview
INDUSTRY OVERVIEW SATIN CREDITCARE NETWORK LTD. 37
Slide 38: Microfinance: Bridging the Credit Gap
MICROFINANCE : BRIDGING THE CREDIT GAP Microfinance Industry Portfolio Borrower Outreach • The MFI industry’s gross loan portfolio grew from INR 2.32 lakh crore in FY20 to INR 4.43 lakh crore in 40,469 9.00% 45000 FY24, reflecting an 17.5% CAGR. 2024 1,44,022 74,278 1,70,903 41234 4,026 39675 8.00%
Slide 39: Regulations Around Microfinance
Regulatory Landscape of Microfinance in India – 2025 • Qualifying Assets threshold for Flexibility in NBFC-MFIs reduced from 75% of total • Enables diversification beyond 1 Lending Operations (1/2) assets to 60% of total assets (netted of by traditional microloans intangible assets) • Retains MFI st
Slide 40: Housing Finance: Empowering Homeownership
HOUSING FINANCE: EMPOWERING HOMEOWNERSHIP Share in Affordable Housing Loan Market (%) in 2024 Share in Total Sales (%) • India’s affordable housing loan market is valued at INR 13 trillion (2024) and projected to reach INR 67 trillion by 2030. 2024 26% 31% 43% • The country faces a housing shortage
Slide 41: MSME Finance: Driving Economic Progress
MSME FINANCE: DRIVING ECONOMIC PROGRESS Government Support -2025 INDIA GDP: USD 3.91 Tn INDIA GDP: USD 5.00 Tn 2024 No. of MSMEs: 6.32 Cr 2028 No. of MSMEs: 7.50 Cr • In the recent budget INR 23,000 crore allocated to the Ministry of MSME. • As India steadily approaches the threshold of becoming a U
Slide 42: Financial Overview
FINANCIAL OVERVIEW SATIN CREDITCARE NETWORK LTD. 42
Slide 43: Historical Standalone Income Statement
HISTORICAL STANDALONE INCOME STATEMENT Income Statement (INR Crores) FY23 FY24 FY25 9M-FY26 Interest Income 1,114 1,670 2,022 1,608 Less: Finance Cost 576 833 950 715 Other Income 640 380 355 293 Net Interest Income 1,177 1,218 1,427 1,193 Operating Expenses 448 519 691 594 Credit Cost 388 133 503 3
Slide 44: Historical Standalone Balance Sheet
HISTORICAL STANDALONE BALANCE SHEET Particulars (INR Crores) FY23 FY24 FY25 H1-FY26 Financial Assets Cash and Cash Equivalents 213 356 640 1,684 Bank Balance other than cash and cash equivalents 815 780 576 607 Loans 5,684 7,951 8,575 8,157 Investments & Derivative financial instruments 764 843 929
Slide 45: Historical Consolidated Income Statement
HISTORICAL CONSOLIDATED INCOME STATEMENT Income Statement (INR Crores) FY23 FY24 FY25 9M-FY26 Interest Income 1,198 1,795 2,210 1,787 Less: Finance Cost 617 901 1,049 810 Other Income 353 446 392 345 Net Interest Income 934 1,340 1,553 1,328 Operating Expenses 528 608 799 691 Credit Cost 401 149 518
Slide 46: Historical Consolidated Balance Sheet
HISTORICAL CONSOLIDATED BALANCE SHEET Particulars (INR Crores) FY23 FY24 FY25 H1-FY26 Financial Assets Cash and Cash Equivalents 258 424 729 1,885 Bank Balance other than cash and cash equivalents 857 847 646 684 Loans 6,329 8,908 9,844 9,524 Investments & Derivative financial instruments 84 69 70 4
Slide 47: Standalone Performance
STANDALONE PERFORMANCE MARGIN ANALYSIS (%) OPEX RATIO (%) LOAN LOSS RATIO (%) ROA & ROE (%) Average Average Average Average Average Average Average 20.46% 11.83% 8.64% 6.09% 3.52% 2.72% 10.99% 23.73% 5.53% 18.46% 22.14% 21.70% 19.55% 4.59% 4.52% 15.02% 6.94% 6.25% 6.31% 13.96% 5.60% 13.15% 13.03% 11
Slide 48: Consolidated Performance
CONSOLIDATED PERFORMANCE MARGIN ANALYSIS (%) OPEX RATIO (%) LOAN LOSS RATIO (%) ROA & ROE (%) Average Average Average Average Average Average Average 19.58% 11.49% 8.09% 6.23% 3.26% 1.69% 7.71% 23.06% 4.79% 21.64% 21.37% 21.12% 7.05% 4.21% 4.26% 18.54% 6.49% 6.31% 5.80% 12.78% 12.61% 13.56% 11.17% 1
Slide 49: Capital Market Information
CAPITAL MARKET INFORMATION NSE: SATIN BSE: 539404 BLOOM: SATIN:IN SHAREHOLDING PATTERN AS ON 31st DEC, 2025 Price Data INR Face Value 10.0 36.2% Market Price 143.6 52 Week H/L 176.0/131.4 11.1% Market Cap (INR Crores) 1,585.8 7.3% Equity Shares Outstanding (Crores) 11.0 3.5% 23.3% 1 Year Avg Trading
Slide 50: 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 51: 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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