Satin Creditcare Reports H1FY27 Consolidated PAT of ₹299 Cr, Q2FY27 Sees Highest Profitability
Satin Creditcare Network Limited reported consolidated PAT of ₹299 Cr for H1FY27, nearing its FY26 full-year profit. Q2FY27 saw highest ever profitability with PAT at ₹176 Cr. AUM grew 31% to ₹16,589 Cr in H1FY27. The company raised ₹2,630 Cr debt in Q2FY27 and promoters committed ₹100 Cr via warrants.
The announcement details strong financial performance with substantial PAT growth, significant increases in AUM and disbursements, and successful fundraising efforts. The positive operational updates and management commentary indicate a significant positive impact on the company's financial health and future prospects.
The company reported significant year-on-year growth in revenue, PPOP, and PAT for both H1FY27 and Q2FY27, along with improvements in asset quality and operational metrics. The Chairman's commentary also reflects a positive outlook on future growth and strategic diversification.
Satin Creditcare Network Limited (SCNL) has announced its financial results for the half-year and quarter ended September 30, 2026. The company reported a consolidated Profit After Tax (PAT) of ₹299 Crores for H1FY27, nearly matching the full-year FY26 profit of ₹332 Crores in just six months. The second quarter of FY27 (Q2FY27) delivered the highest ever profitability for the company.
Consolidated highlights for H1FY27 include Assets Under Management (AUM) growing by 31% to ₹16,589 Crores, and disbursements increasing by 48% to ₹7,192 Crores. Total revenue rose by 27% to ₹1,760 Crores, while Pre-Provision Operating Profit (PPOP) saw a 43% jump to ₹592 Crores. PAT surged by 204% to ₹299 Crores, with Return on Assets (ROA) at 4.4% and Return on Equity (ROE) at 22.2% (excluding management overlay).
In Q2FY27, consolidated PAT was ₹176 Crores, a 231% increase year-on-year. Key operational metrics for Q2FY27 show on-book Gross Non-Performing Assets (GNPA) at 1.94% (₹197 Crores), a reduction from 2.18% in June 2026. PAR 1 improved to 2.92% on a standalone basis, and collection efficiency for the X bucket remained strong at 99.8%. Credit Cost reduced by 236 bps YoY to 2.47% (excluding management overlay). The company also raised approximately ₹2,630 Crores in this quarter through debt instruments, and marginal borrowing cost reduced by 65 bps YoY to 10.28%. Promoters committed ₹100 Crores via warrants, with the first tranche of ₹25 Crores already received.
Standalone highlights for H1FY27 show AUM at ₹13,608 Crores, a 23% increase. Total revenue grew by 24% to ₹1,550 Crores, and PAT increased by 209% to ₹292 Crores. The company's capital base remains strong with a Capital Adequacy Ratio of 27.89% as of September 30, 2026. Book Value per share stood at ₹287.21 on a consolidated basis. The company maintains healthy balance sheet liquidity of ₹2,235 Crores and undrawn sanctions of approximately ₹4,600 Crores.
Subsidiaries also reported growth: Satin Housing Finance Limited's AUM reached ₹1,219 Crores with 19.25% YoY growth, and PAT for Q2FY27 was ₹1.6 Crores. Satin Finserv Limited, the MSME-focused platform, saw its AUM at ₹1,761 Crores and recorded 183.66% YoY growth, with PAT for Q2FY27 at ₹5.1 Crores. Satin Technologies Limited advanced its technology-led growth strategy, launching Arcrix SaaS and moving Satin HR into commercialization. Satin Growth Alternatives Limited (SGAL) achieved its First Close and completed its first investment.
Dr. HP Singh, Chairman cum Managing Director, commented that H1FY27 marks a defining chapter with 21 consecutive profitable quarters. He highlighted the prioritization of balance sheet strength and prudent measures for long-term performance, while also seeing significant opportunities in housing finance, MSME lending, technology, and alternative investments.
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Satin Creditcare Network Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. 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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