Satin Creditcare Network Q1FY27 AUM Reaches ₹16,000 Cr; Disbursements Up 54% YoY
Satin Creditcare Network's Q1FY27 consolidated AUM reached ~₹16,000 Cr, up 27% YoY. Standalone AUM stood at ~₹13,400 Cr, up 22% YoY. Disbursements grew 54% YoY to ₹3,453 Cr (consolidated). Credit cost improved to 2.5%-3.0% and GNPA to 2.0%-2.5%. The company raised ₹3,000 Cr via debt and promoter infused ₹100 Cr equity.
The reported business update includes significant improvements in key financial metrics like AUM, disbursements, credit cost, and GNPA, along with successful fundraising activities, which are material to the company's financial health and growth prospects.
The announcement highlights strong year-on-year growth in AUM and disbursements, improved credit costs and GNPA, successful debt and equity fundraising, and expansion of the branch network and borrower base, indicating a positive business performance.
Satin Creditcare Network Limited (SATIN) has announced its business update for the first quarter of Fiscal Year 2027 (Q1FY27). The company reported a strong performance, driving its consolidated Assets Under Management (AUM) to approximately ₹16,000 Crores, a significant increase from ₹12,499 Crores in Q1FY26. Standalone AUM also grew to around ₹13,400 Crores from ₹10,956 Crores in the same period.
Disbursements for Q1FY27 totalled ₹3,453 Crores on a consolidated basis, marking a substantial 54% year-on-year growth. On a standalone basis, disbursements reached ₹3,003 Crores, up 45% YoY. The non-Microfinance Institution (MFI) share of the business increased to 19% in Q1FY27 from 14% in Q1FY26.
The company expanded its branch network, adding 53 new branches in Q1FY27, bringing the standalone network to 1,867 branches and the consolidated network to 2,045 branches. A strategic entry into Kerala was made in June 2026, further strengthening its presence in South India.
Key financial and operational metrics showed improvement. Credit Cost for Q1FY27 was within the guided range of 2.5% -3.0%, a significant reduction from 6.0% in Q1FY26. Gross Non-Performing Asset (GNPA) improved to 2.0% -2.5% in Q1FY27 from 3.7% in Q1FY26. The X-Bucket Collection Efficiency for Q1FY27 stood at approximately 99.9%.
In terms of liquidity, SATIN raised approximately ₹3,000 Crores via diversified debt instruments and an additional sub-debt of ₹285 Crores. The Marginal Cost of Borrowing reduced by 37 basis points year-on-year. Demonstrating strong promoter confidence, the promoter agreed to infuse ₹100 Crores as Equity Share Capital at a premium, which received 99% shareholder approval. The company added approximately 2.2 lakh new borrowers, expanding its total client base to 32.6 lakhs. Team strength reached 16,560, an 11% YoY growth.
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Satin Creditcare Network Limited filed this with the NSE as a statutory disclosure, categorised under other company updates. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Satin Creditcare Network Limited. Read the original for the full detail.