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Satin Creditcare Network Ltd. engages in the provision financial services. The company is headquartered in Gurgaon, Haryana and currently employs 9,222 full-time employees. The company went IPO on 2015-08-26. The firm is engaged primarily in providing micro-finance services to women in the rural areas of India who are enrolled as members and organized as joint liability groups (JLG). The company offers a diversified portfolio of financial products and services to the financially disadvantaged through its operations across India. Its microfinance services include income generation loan (IGL) and water, sanitation and hygiene loan (WASH). Its micro, small and medium enterprises (MSME) loans are focused on lending to merchants, retailers, service providers, salaried and self-employed professionals, and lending to corporate institutions. The company is engaged in financing third party products, such as solar lamps, bicycles, consumer durables, including home appliances, mobile phones, and others. The Company, through its subsidiary, Taraashna Financial Services Limited, is engaged in the business correspondent activity.
Nothing flagged for monitoring
“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹2,463 Cr on total income of ₹2,480 Cr.
Cost-to-income ratio at 36.0%. Provision coverage at 0.0% of income.
“PAT for the quarter stood at 72 crores at consolidated level up by 404% y o y”
“For FY 25-26, we continue to target an improvement in credit cost as compared to FY 24-25 which was 4.6%”
“end the year probably at around four [credit cost], which will be 50 basis point down from last year”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 11.6%▲ | 2.8% |
| ROCE | 12.2%▲ | 4.2% |
| Net Margin | 13.4%▲ | 11.9% |
| EBITDA Margin | 56.1%▲ | 29.0% |
| Debt To Equity | 3.84x▲ | 0.09x |
| Rev Growth 3yr | 26.6%▲ | 12.2% |
| EPS Growth 3yr | 277.3%▲ | 12.6% |
| Cost To Income | 36.0%▼ | 36.9% |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹3,163 Cr +21.9% | ₹2,595 Cr +16.2% | ₹2,233 Cr +43.4% | ₹1,557 Cr +13.1% | ₹1,377 Cr +0.1% | ₹1,376 Cr -8.3% | ₹1,500 Cr +3.9% | ₹1,443 Cr | |
| ₹18 Cr +147.2% | ₹7 Cr -6.7% | ₹8 Cr +346.6% | ₹2 Cr -57.7% | ₹4 Cr -8.6% | ₹4 Cr +14.4% | ₹4 Cr -27.8% | ₹5 Cr | |
| Total Income | ₹3,181 Cr +22.3% | ₹2,602 Cr +16.1% | ₹2,241 Cr +43.7% | ₹1,559 Cr +12.9% | ₹1,381 Cr +0.1% | ₹1,380 Cr -8.2% | ₹1,503 Cr +3.8% | ₹1,448 Cr |
| ₹2,749 Cr +16.2% | ₹2,366 Cr +42.7% | ₹1,658 Cr +6.7% | ₹1,554 Cr +15.4% | ₹1,347 Cr -3.1% | ₹1,390 Cr +7.6% | ₹1,292 Cr +14.1% | ₹1,132 Cr | |
| Profit Before Tax | ₹432 Cr +83.3% | ₹236 Cr -59.6% | ₹583 Cr | ₹5 Cr -84.7% | ₹34 Cr ↑ Recovery | (₹10 Cr) ↓ Decline | ₹212 Cr -33.0% | ₹316 Cr |
| ₹100 Cr +101.1% | ₹50 Cr -66.2% | ₹147 Cr | ₹0.43 Cr -96.8% | ₹13 Cr +218.8% | ₹4 Cr -92.5% | ₹57 Cr -50.4% | ₹114 Cr | |
| Net Profit | ₹332 Cr +78.5% | ₹186 Cr -57.3% | ₹436 Cr | ₹5 Cr -76.7% | ₹21 Cr ↑ Recovery | (₹14 Cr) ↓ Decline | ₹155 Cr -23.1% | ₹201 Cr |
| Profit (Owners) | ₹332 Cr +78.5% | ₹186 Cr -57.3% | ₹436 Cr | ₹5 Cr -76.7% | ₹21 Cr ↑ Recovery | (₹14 Cr) ↓ Decline | ₹155 Cr -23.0% | ₹201 Cr |
| Minority Interest | ₹0.02 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr -100.0% | ₹0.30 Cr |
| Other Comprehensive Income | (₹13 Cr) +69.9% | (₹44 Cr) ↓ Decline | ₹6 Cr ↑ Recovery | (₹21 Cr) +29.1% | (₹29 Cr) +16.5% | (₹35 Cr) ↓ Decline | ₹45 Cr +78.1% | ₹25 Cr |
| EPS | ₹30.07 | ₹16.85 | ₹39.46 | ₹0.56 | ₹2.76 | (₹1.94) | ₹21.52 | ₹29.73 |
| Diluted Shares | ₹11 Cr | ₹11 Cr | ₹11 Cr | ₹9 Cr | ₹8 Cr | ₹7 Cr | ₹7 Cr | ₹7 Cr |
| Fees And Commission Income | ₹28 Cr -24.0% | ₹37 Cr -43.3% | ₹65 Cr -14.8% | ₹77 Cr -5.6% | ₹81 Cr -15.0% | ₹96 Cr -30.6% | ₹138 Cr +51.6% | ₹91 Cr |
| Net Gain On Amortised Derecognition | ₹366 Cr +56.7% | ₹233 Cr -14.5% | ₹273 Cr +26.5% | ₹216 Cr +317.6% | ₹52 Cr -53.8% | ₹112 Cr -52.6% | ₹236 Cr +76.9% | ₹133 Cr |
| Impairment On Financial Instruments | ₹495 Cr -4.9% | ₹520 Cr +245.1% | ₹151 Cr -63.0% | ₹408 Cr +125.8% | ₹181 Cr -35.2% | ₹279 Cr +45.5% | ₹192 Cr +265.9% | ₹52 Cr |
No related party data available for this company.
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Satin Creditcare Network Limited has informed the Exchange about Schedule of meet
Satin Creditcare Network Limited has informed the Exchange about Copy of Newspaper Publication
Satin Creditcare Network Limited has informed the Exchange about Copy of Newspaper Publication
Satin Creditcare Network Limited has informed the Exchange about Credit Rating
Satin Creditcare Network Limited has informed the Exchange regarding a press release dated Jun 19, 2026, titled "Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release".
Satin Creditcare Network Limited has informed the Exchange about Copy of Newspaper Publication
Satin Creditcare Network Limited has informed the Exchange about Schedule of meet
Satin Creditcare Network Limited has informed the Exchange about Shareholders meeting
Satin Creditcare Network Limited has informed the Exchange regarding a press release dated Jun 04, 2026, titled "Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release".
Satin Creditcare Network Limited has informed the Exchange regarding Outcome of Board Meeting held on Jun 04, 2026.
Satin Creditcare Network Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Satin Creditcare Network Limited has informed the Exchange about Schedule of meet
Working Committee Meeting for issuance of Non-Convertible Debentures
Satin Creditcare Network Limited has informed the Exchange about Transcript
Satin Creditcare Network Limited has informed the Exchange about Link of Recording
No dividend history available for this company.