Satin Creditcare Q1FY27 PAT ₹123 Cr (172% YoY Growth), AUM ₹15,935 Cr
Satin Creditcare Network Limited reported a consolidated PAT of ₹123 Cr for Q1FY27, up 172% YoY. AUM reached ₹15,935 Cr, up 27.5%. Standalone PAT was ₹120 Cr. The company plans a ₹100 Cr equity infusion and expanded into Kerala. Subsidiaries also showed growth, with Satin Technologies targeting September 2026 for its Core Banking Solution go-live.
The substantial PAT growth, strong AUM increase, improved asset quality metrics, and strategic initiatives like promoter equity infusion and new market entry indicate a significant positive impact on the company's financial health and market position.
The company reported significant year-on-year growth in PAT, revenue, and AUM, along with improvements in asset quality and operational efficiency. The promoter's commitment to equity infusion and strategic expansion also contribute to a positive sentiment.
Satin Creditcare Network Limited (SCNL) has announced its financial results for the first quarter ended June 30, 2026. The company reported a consolidated Profit After Tax (PAT) of ₹123 Crores for Q1FY27, marking a significant 172% year-on-year increase from ₹45 Crores in Q1FY26. This is the 20th consecutive profitable quarter for the company.
Consolidated highlights for Q1FY27 show Assets under Management (AUM) grew by 27.5% to ₹15,935 Crores, and disbursements increased by 55.9% to ₹3,495 Crores. Total Revenue rose by 21.7% to ₹827 Crores, while Pre-Provision Operating Profit (PPOP) saw a 33.0% increase to ₹267 Crores. Return on Assets (ROA) improved to 4.0% and Return on Equity (ROE) to 20.4%.
On a standalone basis, PAT increased by 182.3% to ₹120 Crores. AUM grew by 21.5% to ₹13,312 Crores, and disbursements by 45.6% to ₹3,008 Crores. Total Revenue increased by 20.5% to ₹734 Crores, and PPOP saw a 36.4% rise to ₹258 Crores.
Key operational highlights include a reduction in PAR 1 to 3.0% and strong collection efficiency. Credit cost reduced significantly, and the marginal cost of borrowing decreased. The company also announced the promoters' intention to infuse ₹100 Crores in equity, demonstrating strong commitment. SCNL strategically entered Kerala in June 2026, expanding its presence in South India.
The company maintains a strong capital base with a Capital Adequacy Ratio of 26.74% as of June 30, 2026. Book Value per share stands at ₹270 on a consolidated basis. The company also reported healthy balance sheet liquidity and undrawn sanctions.
Asset quality showed improvement with on-book Gross Non-Performing Assets (GNPA) at 2.18%, down from 3.74% in June 2025. The company maintains sufficient provisions and a management overlay buffer.
The subsidiaries also reported growth: Satin Housing Finance Limited saw AUM growth of 31.40% to ₹1,263 Crores with a PAT of ₹1.5 Crores. Satin Finserv Limited, focused on MSMEs, achieved AUM of ₹1,360 Crores with 133.67% YoY growth and a PAT of ₹4.9 Crores. Satin Technologies Limited is advancing its technology portfolio, with its Core Banking Solution entering customer UAT and commercial go-live targeted for September 2026. Satin Growth Alternatives Limited (SGAL) launched its first SEBI-approved Category II AIF with a target corpus of ₹200 Crores, aimed at supporting underfunded startups and MSMEs.
Dr. HP Singh, Chairman cum Managing Director, commented that this was the strongest opening quarter in eight years, with a conscious effort to strengthen the balance sheet. He highlighted the company's resilience and optimism about its diversified financial services platform.
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