Comprehensive Financial Performance
Satin Creditcare Network Limited reported exceptional financial results for FY 2025-26, with consolidated net profit surging 78% YoY to ₹33,219 lakhs and standalone PAT growing 39% to ₹302 Crores. The company achieved standalone AUM of ₹12,853 Crores (14% YoY growth) and total revenue of ₹2,825 Crores (20% growth). Key financial metrics included Net Interest Margin of 13.62%, Return on Assets of 2.51%, and CRAR maintained at 25.39% with improved asset quality showing gross NPA of 3.12% and x-bucket collection efficiency of 99.9%.
Operational Expansion and Diversification
The company expanded operations to 30 states with 1,841 branches, serving 33 lakh customers while adding 392 new branches and 7.4 lakh new clients during the year. Strategic diversification efforts showed significant progress with non-MFI portfolio increasing from 8% to 17% over five years. The gross loan portfolio reached ₹11,71,827 lakhs, comprising microfinance loans (₹9,50,085 lakhs), MSME loans (₹1,25,186 lakhs), and housing/other loans (₹1,05,028 lakhs).
Subsidiary Performance and Growth Initiatives
Subsidiaries demonstrated strong growth: Satin Housing Finance Limited achieved AUM of ₹1,267 Crores with 35.86% 3-year CAGR; Satin Finserv Limited showed 92% YoY AUM growth to ₹1,054 Crores; Satin Technologies Limited and Satin Growth Alternatives Limited expanded technology solutions and alternative investments. The group deployed 17 digital platforms, achieved 100% cashless disbursements, and maintained 100% centralized credit decisioning framework.
Funding and Risk Management
Total funds raised in FY26 amounted to ₹10,826 Crores through term loans, PTCs, direct assignments, NCDs, ECBs, and commercial paper, with foreign lenders contributing 22% of funding mix. The company maintained liquidity of ₹2,092 Crores with undrawn sanctions of ₹2,235 Crores. Comprehensive risk management covered credit risk (foreign currency exposure of ₹2,22,000 lakhs), liquidity risk (LCR 135.55%), and market risk with derivative contracts showing ₹27,039 lakhs gain.
ESG and Corporate Governance
ESG disclosures revealed energy consumption of 657,078 kWh, GHG emissions of 3,602 metric tonnes CO2 equivalent, and water withdrawal of 5,639 kiloliters. The company maintained strong governance with 11 Board meetings, 6 directors (4 independent), and 66.67% board independence. CSR initiatives included ₹5.15 Crores spend on women empowerment programs and educational scholarships. The company received SQS2 rating from Moody's for Social Financing Framework and multiple industry awards.
Regulatory Compliance and Corporate Actions
Full compliance with SEBI LODR Regulations and RBI guidelines as NBFC-MFI was maintained, with no material non-compliances reported. The 36th AGM scheduled for August 7, 2026, includes resolutions for issuing NCDs up to ₹5,000 crores and revising Managing Director's remuneration. Related party transactions totaled ₹19,767 lakhs with subsidiaries, while securitization activities amounted to ₹1,04,383 lakhs during the year.
Forward Outlook
The company continues to focus on strategic diversification, technological innovation, and sustainable growth while maintaining strong risk management practices and regulatory compliance across all operations.