Key Quantitative Figures (Standalone)

  • Assets Under Management (AUM): ₹13,312 Crores, a 22% year-on-year (YoY) growth.
  • Disbursements: ₹3,008 Crores, a 46% YoY growth.
  • Revenue (adjusted): ₹734 Crores, a 21% YoY growth.
  • Profit After Tax (PAT): ₹120 Crores, a 182% YoY growth.
  • Net Interest Margin (NIM): 14.36%, an increase of over 120 basis points (bps) YoY.
  • Credit Cost (Loan Loss Ratio): 3.06%, a reduction of over 177 bps YoY. This includes a management overlay buffer of ₹36 Crores. Excluding the overlay, the credit cost was 1.97%.
  • Return on Assets (ROA): 3.55%, an increase of over 200 bps YoY. Excluding the management overlay, ROA was 4.34%.
  • Return on Equity (ROE): 15.10%, an increase of over 910 bps YoY. Excluding the management overlay, ROE was 18.46%.
  • Gross Non-Performing Assets (GNPA): 2.2% as of June 30, 2026, improved from 3.7% on June 30, 2025, and 3.1% on March 31, 2026.
  • Provision Coverage: On-book provisions of ₹252 Crores (2.5% of portfolio) against a required provision of ₹152 Crores as per RBI. Stage 3 coverage ratio is 85%.
  • Collection Efficiency: X-Bucket Collection Efficiency for Q1FY27 stood at ~99.9%.
  • Capital Raising: Raised ~₹3,000 Crores via diversified debt instruments in the quarter. Undrawn sanctions stand at ~₹2,600 Crores.
  • Promoter Infusion: Promoters will infuse ₹100 Crores in Equity Share Capital at a ~17% premium to the minimum issue price as per SEBI Regulations.

Key Quantitative Figures (Consolidated)

  • Consolidated AUM: ₹15,935 Crores, a 27% YoY growth.
  • Consolidated Disbursement: ₹3,495 Crores, a 56% YoY growth.
  • Consolidated Revenue (adjusted): ₹827 Crores, a 22% YoY growth.
  • Consolidated PAT: ₹123 Crores, a 172% YoY growth.

Operational and Strategic Highlights

  • Branch Network: The standalone entity added 41 new branches in Q1-FY27, expanding its network to 1,863 branches. The consolidated entity has 2,041 branches.
  • Geographical Expansion: Made a strategic entry into Kerala in June 2026.
  • Leadership: Zero attrition in a field leadership team of 200 personnel with a vintage of 10+ years.
  • Funding: Has 77 active lenders. Top lenders include Bank of Maharashtra (9.4%), State Bank of India (6.5%), and Union Bank of India (6.3%).
  • Credit Rating: ICRA rating of 'A (Stable)' for long-term and 'A1' for short-term.
  • Subsidiary - Satin Housing Finance Ltd (SHFL): AUM of ₹1,263 Crores. GNPA at 3.3%. CRAR at 59.8%. ICRA rating of 'A- (Stable)'.
  • Subsidiary - Satin Finserv Ltd (SFL): AUM of ₹1,360 Crores. GNPA at 3.5%. CRAR at 27.1%. ICRA rating of 'A- (Stable)'. Disbursed 50 green finance loans amounting to ₹294 Crores in Q1.
  • Subsidiary - Satin Technologies: Focused on HRMS and core banking software. Its subsidiary, QTrino Labs, is developing quantum-safe security solutions.
  • Subsidiary - Satin Growth Alternatives Ltd: Received SEBI license for a Category II Alternative Investment Fund (AIF), targeting first close and deployment in the next quarter.

Guidance for FY27

  • Consolidated AUM Growth Target: 20%-25%, implying an AUM of ₹18,200 - ₹18,900 Crores.
  • Standalone Credit Cost Target: 3.0%–3.5%.
  • Standalone Return on Asset (ROA) Target: 3.5%-4.0%.

Capital Structure Impact

The promoter equity infusion of ₹100 Crores will increase the company's equity share capital. The exact impact on the number of shares and resulting dilution is not quantified in the disclosure.

Additional Information

  • The document is an investor presentation dated July 30, 2026.
  • The company's scrip code is 539404 (BSE) and symbol is SATIN (NSE).
  • The presentation is signed by Vikas Gupta, Company Secretary & Chief Compliance Officer.