Satin Creditcare Q4 FY26 PAT Surges 640% YoY to ₹162 Crore; AUM Grows 18.7%
Satin Creditcare Network Limited reported a consolidated PAT of ₹162 Crores for Q4 FY26, up 640.5% YoY. Full-year consolidated PAT was ₹332 Crores. Consolidated AUM grew 18.7% to ₹15,174 Crores. The company launched a new subsidiary, Satin Growth Alternatives Limited (SGAL), with a focus on underfunded startups and MSMEs, and partnered with SBI.
The substantial increase in profitability (PAT surge of 640.5% YoY) and growth in Assets Under Management (AUM) are material financial highlights. The launch of a new subsidiary and strategic partnership also indicate significant future growth potential and diversification.
The company reported significant year-on-year growth in PAT and AUM, improved asset quality metrics, and strategic initiatives like the launch of a new subsidiary and partnership with SBI, all indicating a strong financial performance and positive future outlook.
Satin Creditcare Network Limited (SCNL) has announced its audited financial results for the fourth quarter and financial year ended March 31, 2026. The company reported a consolidated Profit After Tax (PAT) of ₹162 Crores for Q4 FY26, marking a significant 640.5% year-on-year increase. For the full financial year FY26, the consolidated PAT stood at ₹332 Crores, a 78.5% rise from FY25.
Consolidated Assets under Management (AUM) grew by 18.7% to ₹15,174 Crores in FY26. Disbursements increased by 17.4% to ₹12,514 Crores for the full year. Total Revenue saw a 22.6% jump to ₹3,161 Crores, while Pre-provision Operating Profit (PPOP) rose by 23.1% to ₹928 Crores.
On a standalone basis, the company's PAT for Q4 FY26 was ₹137 Crores, a 233.7% increase YoY. Full-year standalone PAT reached ₹302 Crores, up 39.5% from the previous year. Standalone AUM grew by 13.6% to ₹12,853 Crores.
Asset quality showed improvement, with standalone PAR 1 at 3.7% in Q4 FY26 and collection efficiency for the X bucket remaining strong at 99.9%. Credit cost for FY26 was contained at 3.8% on a standalone basis. The company maintained a robust liquidity position with ₹2,092 Crores in balance sheet liquidity as of March 31, 2026, and undrawn sanctions of ₹2235 Crores.
The company also highlighted the performance of its subsidiaries. Satin Housing Finance Ltd. reported a YoY AUM growth of 38%, reaching ₹1,267 Crores. Satin Finserv Ltd. achieved an AUM of ₹1,054 Crores with a 92.5% year-on-year growth. Satin Technologies Ltd. acquired a strategic stake in QTrino, a cybersecurity company, and expanded its global presence. Furthermore, Satin Creditcare Network Limited launched its fourth subsidiary, Satin Growth Alternatives Limited (SGAL), with its first SEBI-approved Category II AIF targeting a corpus of ₹200 Crores, focusing on underfunded startups and MSMEs, and has signed an MoU with SBI for co-investment.
Dr. HP Singh, Chairman cum Managing Director, commented that FY26 was a landmark year, with SCNL delivering strong AUM growth, PAT, and its 19th consecutive profitable quarter. He emphasized the exceptional ROA and ROE in Q4 and the expected value creation from subsidiaries. The company enters FY27 from a position of strength with a resilient balance sheet and clear strategic roadmap.
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