Mumbai, May 20th, 2025 : Satin Creditcare Network Ltd. (SCNL), a
leading NBFC-MFI committed to rural financial inclusion, has reported a strong
financial performance for Q4 of FY 2025. Despite ongoing challenges in the
microfinance sector, the company’s resilience and strategic prudence have
enabled it to maintain stability and growth.
On a standalone basis, SCNL recorded an Assets
Under Management (AUM) of ₹11,316 crore, reflecting a 6.8% year-on-year
growth. The company continued its streak of profitability for the 15th
consecutive quarter, posting a Profit After Tax (PAT) of ₹217 crore
and a Pre-Provision Operating Profit (PPOP) of ₹736 crore. Return
metrics remained robust, with Return on Assets (RoA) at 2.07% and Return
on Equity (RoE) at 7.86%, backed by a healthy net worth of ₹2,843 crore.
Despite prevailing headwinds, SCNL
demonstrated significant improvement in asset quality. The company successfully
lowered its PAR 1 by 192 basis points to 4.9% and maintained Gross
Non-Performing Assets (GNPA) at 3.70%. Collection efficiency for the 0 days
past due portfolio remained exceptional, standing at ~99.8% in March 2025,
while credit costs were effectively managed at 4.6%, staying within the
guided range.
On a consolidated basis, SCNL reported an AUM
of ₹12,784 crore and a PAT of ₹186 crore, with a Net Interest
Margin (NIM) of 12.61%, underscoring its disciplined pricing and efficient
capital deployment.
Mr. H P Singh, CMDexpressed happiness at the company’s
performance, “Our FY25 results underscore the strength of our business
model and our unwavering commitment to financial inclusion. Despite challenges
in the sector, our prudent risk management, diversified funding base, and
customer-centric approach have enabled us to navigate volatility while
maintaining stability and growth. As we move forward, we remain focused on
innovation, sustainability, and expanding financial access to underserved
communities.”
SCNL made significant strides in strategic
initiatives during the year, including the successful closure of a USD 100
million syndicated social loan via External Commercial Borrowing (ECB) and
further diversification of its lender base. Additionally, the company
received a prestigious “SQS2” Sustainability Quality Score from
Moody’s Ratings for its Social Financing Framework.
The company’s subsidiaries also posted strong
growth. Satin Housing Finance Ltd. achieved a 22% YoY AUM increase to
₹920 crore, while Satin Finserv Ltd. scaled its MSME book to ₹516
crore, marking an impressive 58% jump.
With a steadfast commitment to governance,
technology-driven operations, and a diversified product portfolio, Satin
Creditcare continues to solidify its position as one of India’s most stable and
future-ready financial inclusion leaders.
About Satin Creditcare Network Limited:
Satin Creditcare Network Limited (SCNL or
Satin) is aleading microfinance institution (MFI) in the country with presence
in 29 states & union territories and over 90,000 villages. The Company’s
mission is to be a leading micro financial institution by providing a
comprehensive range of products and services for the financially under-served
community. The Company aims to lead in gender empowerment by leveraging on
technology and innovation that forge sustainable strategic partnerships. The
Company also offers a bouquet of financial products in the Non‐MFI segment,
comprising of loans to MSMEs and affordable housing loans. In April 2017, SCNL
incorporated a wholly-owned housing finance subsidiary Satin Housing Finance
Limited (SHFL) for providing loans in the affordable and micro-housing segment.
In January 2019, SCNL received separate NBFC license to commence MSME business
through Satin Finserv Limited (SFL). In August 2024, SCNL incorporated a
subsidiary for software services, Satin Technologies Limited (STL) dedicated to
developing innovative, world-class technology solutions by leveraging
cutting-edge technologies. As on 31st March 2025, Satin group had 1,568
branches and a headcount of 16,705 across 29 states and union territories,
serving 33.6 lakh clients.
