Satin Creditcare Network Ltd · NSE:SATIN
Satin Creditcare Network — Q2 FY27 Earnings Presentation
35 slides from Satin Creditcare Network's earnings presentation, October 2026
Slide 1: Dream Big. Deliver Bigger. Earnings Presentation Q2 & H1FY27
DREAM BIG. DELIVER BIGGER. EARNINGS PRESENTATION Q2 & H1FY27 1
Slide 2: H1FY27 PAT of ₹292 Crores, Closing in on FY26 Full-Year Profit
Raising the Bar: H1FY27 PAT of ₹292 Crores, Closing in on FY26 Full-Year Profit of ₹302 Crores in Just Six Months H1FY27 Standalone: AUM stands at ₹13,608 Crores, 23% growth YoY ; Disbursement ₹6,109 Crores, 36% growth YoY. 01 • XX Growth Consolidated: AUM stands at ₹16,589 Crores, 31% growth YoY; D
Slide 3: Q2FY27: Highest Profitability, 21 Profitable Quarters in a Row
Q2FY27: Delivering Highest Profitability, Marking 21 Profitable Quarters in a row despite Industry Headwinds Q2FY27 Standalone: Disbursement ₹3,101 Crores, 28% growth YoY. 01 • XX Disbursement Growth Consolidated: Disbursement ₹3,697 Crores, 41% growth YoY. 02 Credit Cost Standalone: - Credit Cost 2
Slide 4: A Legacy of Trust and Resilience
A Legacy of Trust and Resilience Leveraging Decades of Credibility for Future Value Creation TRUSTED TESTED TRANSFORMING ~34 Lakh Borrowers 36 Years of Resilience Resilience across economic cycles, Only MFI with Multiple Building Trust Nationwide industry transitions & market shifts Growth Engines 1
Slide 5: Company Overview
E IN COMPANY OVERVIEW
Slide 6: Satin Creditcare: Evolving into Future-Ready Diversified Business Group
Satin Creditcare: Evolving into Future-Ready Diversified Business Group AUM AND TOTAL REVENUE* (₹ Crores) AUM +99% | Rev +114% Q2FY27 AUM MIX (On a consolidated basis) 20% AUM Total Revenue MFI Non-MFI 15,174 12,784 11,850 80% 9,115 7,617 Why the franchise holds • Among India’s leading NBFC-MFIs – F
Slide 7: Diversified Business Group with Multiple Growth Engines Beyond Microfinance
Diversified Business Group with Multiple Growth Engines Beyond Microfinance SATIN CREDITCARE NETWORK LIMITED AUM ₹13,608 Crores | 1876 branches | Net worth ₹3,437 Crores Satin Housing Finance Ltd Satin Finserv Ltd Satin Technologies Ltd Satin Growth Alternatives (WOS) (WOS) (WOS) Ltd. (WOS) Since Fe
Slide 8: Growing With Discipline: Satin's FY27 Guidance vs Achievement
Growing With Discipline: Satin’s FY27 Guidance vs Achievement Achievement till 30th Metrics FY27 Guidance Read-through Sept, 2026 Consolidated AUM Growth 20–25% 19%* (Annualised) Approaching Standalone Credit Cost 3.0–3.5% 2.8% Ahead Standalone ROA 3.5–4.0% 4.3% Ahead Consolidated AUM targeted to re
Slide 9: Technology That Strengthens Every Loan
Technology That Strengthens Every Loan An integrated digital journey designed for speed, control and scalable growth. ENABLING LAYER AI + Machine Learning + Data Science ACROSS THE LOAN LIFECYCLE 01 Acquire 02 Underwrite 03 Disburse 04 Collect & monitor CUSTOMER ONBOARDING ASSESSMENT & APPROVAL DIGI
Slide 10: The Operating Discipline Behind Satin's Asset Quality
The Operating Discipline Behind Satin's Asset Quality Originate & Assess › Verify & Disburse › Collect & Monitor 01 Field Verification 04 Identity Authentication 06 Dual Repayment Records Geo-tagged homes and UIDAI verification and biometric Online and offline records, location-tracked officer visit
Slide 11: Q2 & H1FY27 Performance
E IN Q2 & H1iFY27 PERFORMANCE 11
Slide 12: Snapshot Consolidated Q2FY27
Snapshot Consolidated Q2FY27 ₹16,589 ₹3,697 ₹34 Lakhs+ +31% +41% +2% Crores YoY Crores Active Clients YoY YoY AUM Disbursement 2,075 ₹933 Crores ₹176 Crores +21% +31% +231% Branches Total Revenue* PAT YoY YoY YoY 14.6 % 5.5 % +347 27.7 % +1,797 + 60bps ROA# ROE # NIM * bps bps YoY YoY YoY *Revenue i
Slide 13: Snapshot Standalone Q2FY27
Snapshot Standalone Q2FY27 ₹13,608 ₹3,101 ₹33 Lakhs+ +23% +28% +2% Crores Crores Active Clients YoY YoY YoY AUM Disbursement 1876 ₹816 Crores ₹172 Crores +231% +16% +28% Branches YoY Total Revenue* YoY PAT YoY 39 branches added in Q2FY27 15.8 % +137 6.0 % +388 25.0 % +1,652 NIM * bps ROA# bps ROE #
Slide 14: Q2 & H1FY27 Consolidated Highlights
Q2 & H1FY27 Consolidated Highlights Q2FY27 Q2FY26 Y-o-Y Q1FY27 H1FY27 H1FY26 Y-o-Y AUM 12,687 15,935 16,589 12,687 16,589 31% 31% (₹Crores) Disbursement 3,495 4,868 48% 3,697 2,626 41% 7,192 (₹Crores) Branches 2,075 1,713 21% 2,041 2,075 1,713 21% NII 852 594 441 35% 514 1,108 30% (₹Crores) PPOP 267
Slide 15: Q2 & H1FY27 Consolidated Financial Highlights
Q2 & H1FY27 Consolidated Financial Highlights Key Ratios Q2FY27 Q2FY26 YoY H1FY27 H1FY26 YoY Q1FY27 QoQ FY26 Gross Yield1 23.0% 22.6% 22.2% 21.8% 21.3% 21.1% Cost of Funds1 8.3% 8.6% 8.2% 8.5% 8.1% 7.9% NIM1 14.6% 14.0% 14.0% 13.4% 13.2% 13.2% Operating Expense Ratio 6.6% 7.3% 6.5% 6.9% 6.3% 6.6% Lo
Slide 16: Q2 & H1FY27 Standalone Highlights
Q2 & H1FY27 Standalone Highlights Q2FY27 Q2FY26 Y-o-Y Q1FY27 H1FY27 H1FY26 Y-o-Y AUM 11,044 13,608 11,044 23% 13,312 13,608 23% (₹Crores) Disbursement 3,101 2,421 28% 3,008 6,109 4,487 36% (₹Crores) Branches 1,876 1,616 16% 1,863 1,876 1,616 16% NII (₹Crores) 533 398 34% 465 998 769 30% PPOP (₹Crore
Slide 17: Q2 & H1FY27 Standalone Financial Highlights
Q2 & H1FY27 Standalone Financial Highlights Key Ratios Q2FY27 Q2FY26 YoY H1FY27 H1FY26 YoY Q1FY27 QoQ FY26 Gross Yield1 24.3% 23.1% 23.4% 22.3% 22.5% 21.6% Cost of Funds1 8.4% 8.7% 8.3% 8.5% 8.2% 8.0% NIM1 15.8% 14.5% 15.1% 13.7% 14.3% 13.6% Operating Expense Ratio 6.6% 7.2% 6.5% 6.8% 6.3% 6.5% Loan
Slide 18: Standalone Quarterly Progress (1/3)
Standalone Quarterly Progress (1/3) AUM (₹ Crores) DISBURSEMENT (₹ Crores) TOTAL INCOME* (₹ Crores) 23% 28% 28% 13,312 13,608 12,853 3,820 816 720 734 2,896 3,008 3,101 637 647 11,482 11,044 2,421 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY2
Slide 19: Standalone Quarterly Progress (2/3)
Standalone Quarterly Progress (2/3) BRANCHES AUM / BRANCH (₹ Crores) DISBURSEMENT / BRANCH (₹ Crores) 16% 7% 10% 1,841 1,863 1,876 2.1 1,817 7.3 1.6 1.6 1.7 1,616 7.0 7.1 1.5 6.8 6.3 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 NEW CLIENTS
Slide 20: Standalone Quarterly Progress (3/3)
Standalone Quarterly Progress (3/3) MARGIN ANALYSIS (%) CREDIT COST (%) 24.3% 4.8% 23.2% 23.0% 23.7% 22.5% 4.2% 14.5% 14.5% 15.4% 14.3% 15.9% 2.5% 3.1% 4 2.5% 8.7% 8.5% 8.2% 8.2% 8.4% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Gross Yield Financial Cost NIM OPEX TO AVG AUM
Slide 21: Asset Quality and Provisions
Asset Quality and Provisions PAR TREND NNPA & COVERAGE RATIO Overall 5.8% Coverage 105% 95% 92% 115% 133% Ratio 4.9% 4.7% 4.1% 3.7% 3.5% 3.3% 4.2% 3.1% 3.7% 3.6% 3.0% 2.3% 2.2% 2.2% 2.9% 2.3% 1.9% 3.5% 3.4% 3.3% 2.6% 1.8% 1.8% 3.1% 2.4% 2.5% 1.2% 1.1% 2.2% 0.9% 2.2% 1.9% 0.3% 0.2% Q2FY26 Q3FY26 Q4FY
Slide 22: Built On A Strong & Balanced Funding Base
Built On A Strong & Balanced Funding Base Data as on 30th Sept 2026 Product Wise Lender Wise Benefit of Positive ALM Continues 0.2% 11% Term loan & Banks 10% PTC 6% 27.7 27.0 26.8 25.9 25.9 14% DA Overseas 12% 53% fund 18.2 18.0 17.8 17.1 18.0 NCD NBFC 23% 73% ECB DFI FY23 FY24 FY25 FY26 Sep'26 Fund
Slide 23: Diversified Lender Base And Sound Credit Ratings
Diversified Lender Base And Sound Credit Ratings Our Impact Debt Partners LARGE LENDER BASE 69 Active Lenders Top 10 Lending Partners % Share Union Bank Of India 10.3% Bank Of Maharashtra 9.5% State Bank Of India 6.5% IDFC First Bank Limited 5.6% HSBC 5.6% Bandhan Bank 5.6% * Blue Orchard 3.3% SIDBI
Slide 24: Diversified Geographical Presence
Diversified Geographical Presence DISTRICTS, STATES AND BRANCHES 1393 1568 2015 2075 PRESENCE ACROSS 27 STATES AND 5 UTs 32 2,075 26 29 32 No. of Branches 2 577 421 529 608 143 114 2 FY24 FY25 FY26 H1-FY27 No. of Regional Offices 25 Districts States & UTs Branches 73 7 4 1 CLIENTS (LAKHS) 608 107 38
Slide 25: Improving Performance Across Geographies
Improving Performance Across Geographies On-book % of Geographic Strength Supports Overall X Bucket Portfolio Resilience Particulars Portfolio On-book PAR 90 CE % Q2 FY27 (₹ Crores) Portfolio Uttar Pradesh 2,289 23% 99.7% 1.8% Consistent improvement in asset quality due to robust underwriting and cr
Slide 26: Annexures
E IN ANNEXURES 26
Slide 27: Diversified Lending Businesses: Products, Scale & Performance
Diversified Lending Businesses: Products, Scale & Performance Particulars Satin Creditcare Network Ltd. Satin Housing Finance Ltd. Satin Finserv Ltd. Product Features as of Sept’26 Microfinance(1) Housing Finance MSME Unsecured micro loans to economically active Affordable & micro housing solutions
Slide 28: Business Overview: Scale, AUM Mix & Reach
Business Overview: Scale, AUM Mix & Reach Particulars Q2FY27 Q2FY26 YoY% Q1FY27 QoQ% AUM (₹ Crores) 16,589 12,687 31% 15,935 4% SCNL 13,608 11,044 23% 13,312 2% On-book 10,157 8,321 22% 10,035 1% Off-book 3,451 2,723 27% 3,277 5% SHFL 1,219(3) 1,022(2) 19% 1,263(1) -3% SFL 1,761(5) 621 184% 1,360(4)
Slide 29: ESG – Translating Purpose into Progress
ESG – Translating Purpose into Progress Independent Global Validation ✓ Benchmarked against global peers, highlights our ability to translate policy frameworks into consistent execution ✓ S&P Global CSA Score: 59 | First Attempt Assessment – Translating Purpose intro Progress CSR Key ESG Capabilitie
Slide 30: Consolidated Income Statement
Consolidated Income Statement Income Statement (₹ Crores) Q2FY27 Q2FY26 Y-o-Y Q1FY27 Q-o-Q H1FY27 H1FY26 Y-o-Y Interest Income 733 590 24% 693 6% 1,426 1,186 20% DA Income 134 70 91% 94 42% 228 119 91% Less: Finance Cost 339 270 26% 313 8% 653 539 21% Add: Other Income 67 52 29% 40 68% 107 86 24% Ne
Slide 31: Standalone Income Statement
Standalone Income Statement Income Statement (₹ Crores) Q2FY27 Q2FY26 Y-o-Y Q1FY27 Q-o-Q H1FY27 H1FY26 Y-o-Y Interest Income 638 533 20% 613 4% 1,251 1,072 17% DA Income 125 64 96% 92 36% 218 109 99% Less: Finance Cost 283 238 19% 269 5% 552 477 16% Add: Other Income 53 39 35% 28 86% 81 64 26% Net I
Slide 32: Capital Market Information
Capital Market Information SHAREHOLDING PATTERN AS ON 30th SEP, 2026 NSE: SATIN BSE: 539404 BLOOM: SATIN:IN Price Data ₹ 22.5% 36.2% Face Value 10 Market Price 232 19.1% 4.9% 52 Week H/L 274/136 6.2% 11.1% Market Cap (₹ Crores) 2,565 Promoter Bodies Corporate Public Florintree Ventures LLP Equity Sh
Slide 33: Glossary of Key Terms
Glossary of Key Terms Term Definition Term Definition Assets Under Total value of the loan portfolio including on and Net Interest Margin Gross Yield less Financial Cost ratio Management (AUM) off-balance sheet assets Capital to Risk-Weighted Ratio of Tier I and Tier II Capital to Risk Weighted Stag
Slide 34: 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
Slide 35: Dream Big… Deliver Bigger… Thank You
Dream Big… Deliver Bigger… Thank You 35
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