Mumbai : Satin Creditcare Network Limited (SCNL) (NSE: SATIN, BSE: 539404) has announced its unaudited financial results for the quarter ended 30th June 2025. The financial numbers are based on IndAS.

Consolidated Highlights

Particulars (INR Crores)Q1-FY26Q4-FY25Q1-FY25
*Assets under Management (AUM)12,49912,78411,706
Disbursement2,2423,0952,114
Net Interest Income (NII)416359383
Pre-provisioning Operating Profit (PPOP)201129213
Profit After Tax (PAT)4522105
Return on Assets (ROA)1.50%0.76%3.96%
Return on Equity (ROE)7.06%3.43%17.16%

Footprints and Outreach

Particulars Q1-FY26Q1-FY25
States & UTs2927
Branches1,5991,447
No. of Employees16,45414,459
No. of Loan Officers11,23910,413
*No. of Clients (Lakhs)32.935.1

*Decline in AUM and clients is on account of slower disbursals since focus is on portfolio quality, write-offs and discontinuing BC business in SFL

Standalone Highlights

Particulars (INR Crores)Q1-FY26Q4-FY25Q1-FY25
Assets under Management (AUM)10,95611,31610,485
Disbursement2,0652,8811,997
Profit After Tax (PAT)4341103
Return on Assets (ROA)1.51%1.51%4.02%
Return on Equity (ROE)5.97%5.79%15.10%

Update on Q1-FY26: Standalone Highlights

  • Marked the 16th consecutive quarter of profitability, further underscoring the company’s consistent financial performance
  • Maintained steady disbursement momentum of INR 2,065 Crores in Q1-FY26, resulting in a growth of 3.4% YoY
  • PAR 90 stood at 3.7% as of Jun’25; at similar levels of Mar’25
  • Rejection rates at 67%, increased by ~300 bps from Mar’25 onwards primarily driven by tighter credit evaluation framework upon implementation of Guardrails 2.0
  • Only 6.1% of clients have more than 3 microfinance lenders and 0.1% of clients have loan exposure of >= INR 2 Lakhs as of Jun’25 (at the time of disbursement), reflecting healthy credit discipline
  • Marked strategic entry into Mizoram in Jul’25, further strengthening leadership position in the Northeast
  • Continued to enhance governance with the induction of two new seasoned independent directors