Satin Creditcare Network Limited

Rs. 10,778 crore

nancial Services Company Serving Rural India 3 Positioned as the Top Performer Across the Sector Rs. 10,778 crore AUM Rs. 31 crore PAT for Q3FY25 3.9% GNPA 5.0% Credit Cost^ (annualized) Consistency in di

Rs. 31 crore

y Serving Rural India 3 Positioned as the Top Performer Across the Sector Rs. 10,778 crore AUM Rs. 31 crore PAT for Q3FY25 3.9% GNPA 5.0% Credit Cost^ (annualized) Consistency in disbursement on a Qo

3.9%

tioned as the Top Performer Across the Sector Rs. 10,778 crore AUM Rs. 31 crore PAT for Q3FY25 3.9% GNPA 5.0% Credit Cost^ (annualized) Consistency in disbursement on a QoQ basis, leading to gr

5.0%

e Top Performer Across the Sector Rs. 10,778 crore AUM Rs. 31 crore PAT for Q3FY25 3.9% GNPA 5.0% Credit Cost^ (annualized) Consistency in disbursement on a QoQ basis, leading to growth of 3%

3%

.0% Credit Cost^ (annualized) Consistency in disbursement on a QoQ basis, leading to growth of 3% QoQ & 10% YoY PAT for 9MFY25 of Rs. 176 crore; 14 consecutive profitable quarters amid challenge

10%

it Cost^ (annualized) Consistency in disbursement on a QoQ basis, leading to growth of 3% QoQ & 10% YoY PAT for 9MFY25 of Rs. 176 crore; 14 consecutive profitable quarters amid challenges PAR re

Rs. 176 crore

sistency in disbursement on a QoQ basis, leading to growth of 3% QoQ & 10% YoY PAT for 9MFY25 of Rs. 176 crore; 14 consecutive profitable quarters amid challenges PAR reversal visible from Nov’24 onwards

99.8%

onwards Within the guided range Even during Covid-19, credit cost was best among the industry 99.8% X Bucket CE 6.4% vs 13.9% PAR 1 (Satin vs Industry) 5.6% vs 15.3% PAR 1 Top 5 States (Satin

6.4%

guided range Even during Covid-19, credit cost was best among the industry 99.8% X Bucket CE 6.4% vs 13.9% PAR 1 (Satin vs Industry) 5.6% vs 15.3% PAR 1 Top 5 States (Satin vs Industry) Arres

13.9%

range Even during Covid-19, credit cost was best among the industry 99.8% X Bucket CE 6.4% vs 13.9% PAR 1 (Satin vs Industry) 5.6% vs 15.3% PAR 1 Top 5 States (Satin vs Industry) Arresting fres

5.6%

cost was best among the industry 99.8% X Bucket CE 6.4% vs 13.9% PAR 1 (Satin vs Industry) 5.6% vs 15.3% PAR 1 Top 5 States (Satin vs Industry) Arresting fresh flows with focused recovery str

15.3%

as best among the industry 99.8% X Bucket CE 6.4% vs 13.9% PAR 1 (Satin vs Industry) 5.6% vs 15.3% PAR 1 Top 5 States (Satin vs Industry) Arresting fresh flows with focused recovery strategy Sa

“I Lives Impacted – ~2,500 Financial Literacy Workshops with MFIN and Sa-Dhan In collaboration with the RBI and industry SROs, we conducted 48 workshops across multiple states in the first nine months of FY25.”

Ticket Size

5

Notes

1

Note

1

Offerings with New Subsidiary

1

Notes

(1) Includes MFI Lending (loans under JLG model and water & sanitation) and Product Financing (Loans for solar lamps, cycles etc.). (2) In addition to these, SFL JLG has 23 branches and 30,516 loan accounts (3) SCNL also has additional MSME portfolio of Rs. 214 crore other than MFI portfolio (4) Post merger of TFSL, SFL also has JLG BC portfolio, which is being run down. The AUM for SFL JLG portfolio stood at Rs. 34 crore. 22 Diversified Geographical Presence Presence across 29 States and UTs Top 4 States (56%) Next 6 states (27%) 1,535 No. of Branches 483 No. of Districts 104 No. of Regional Offices 2.9 Lacs No. of Centers 96.9% Districts with <1% exposure Top 4 States 7.5% 8.7% 25.5% Bihar Uttar Pradesh The pictorial representation of Map of India does not purport to be the Political Map of India Remaining 19 States/UT (17%) 14.0% West Bengal Assam 23 Well-diversified Liability Profile Product-wise Dec’24 0.5% 7.9% 18.0% Term Loan & PTC Direct Assignment 49.3% NCD ECB 24.2% Commercia

Note

Differences due to rounding off 1) Includes assigned portfolio of Rs. 130 crore Q3FY25 12,128 10,778 8,274 2,503 1 872(1) 479 445 12,127 10,597 35 659 872 1,535 1,421 44 70 YoY% 10% 10% 11% Q3FY24 11,074 9,811 7,306 2,497 8 607 657 296 11,074 9,865 368 602 607 1,386 1,165 38 183 Q2FY25 11,749 10,463 8,109 2,353 0 850 435 396 11,749 10,292 40 607 850 1,463 1,361 35 67 QoQ% 3% 3% 5% 31 Financial Details (Standalone) Key Metrics Gross Income (Rs. crore) 1,753 2,051 1,815 1,262 Cost to Income Ratio 64.8% 54.3% 42.6% 44.6% FY22 FY23* FY24 9MFY25 FY22 FY23 FY24 9MFY25 NII and PAT (Rs. crore) NII PAT 1,177 1,218 1,101 656 40 423 264 176 Opex to Avg AUM 6.2% 6.3% 5.6% 6.1% FY22 FY23* FY24 9MFY25 FY22 FY23 FY24 9MFY25 *There was an extraordinary income on account of fair value change for investment in subsidiaries amounting to ~Rs. 350 crore during Q1FY23 33 P&L Statement Particulars (Rs. crore) Q3FY25 Q3FY24 Q2FY25 9MFY25 FY24 Revenue Interest Income Gain due to DA Treasury Income BC Income Ot

Offerings with New Subsidiary

Satin Technologies Limited Acquired TFSL in Sep’16 Listing on NSE, BSE and CSE(2) Note: 1. Regional Stock Exchanges (DSE – Delhi Stock Exchange, JSE – Jaipur Stock Exchange, LSE- Ludhiana Stock Exchange); (2) BSE - BSE Limited, NSE - National Stock Exchange of India Limited, CSE - The Calcutta Stock Exchange Limited 39 Key Milestones – Fund Raising First private equity investment; Raised Rs. 4.87 crore from Lok Capital; Rs. 1 crore infused by Promoter Group Raised Rs. 2.5 crore from Lok Capital in Nov’10 and Rs. 21.8 crore from ShoreCap II in Dec’10; Rs. 7.7 crore infused by Promoter Group Raised Rs. 18 crore from Danish Micro Finance Partners K/S (DMP) in Feb’11 Raised Rs. 30 crore from DMP, ShoreCap and MV Mauritius Ltd; Rs. 11 crore infused by Promoter Group; Exit of Lok Capital Raised Rs. 28.4 crore of equity from NMI Raised Rs. 41.5 crore from SBI FMO(1) (including warrants); Rs.37.9 crore infused by Promoter Group 2008 2010 2011 2013 2014 2015 2022/ 23 2019/ 20 2018 2017 2016 Suc

Ticket Size

Rs. 10,000 – Rs. 35,000 Tenure: 12 - 24 months • Annual Household Income: up to Rs. 3 Lacs • Maximum monthly loan repayment obligation (incl. applied loan): Eligibility Criteria • The outflows limit of 50% of the monthly household income shall include repayment towards all existing loans as well as any loan under consideration * Household shall mean an individual family unit, i.e. husband, wife and their unmarried children <=Rs. 12,500 • OTP & Bank validation 43 Operational Capabilities Backed by Robust Processes Loan Life Cycle Key Initiatives Onboarding Underwriting & Decisioning Disbursement Collections Digitized Onboarding OTP validations at client onboarding & disbursement level No loan to Overdue customers Identification of Early warning signals Iris / Biometric enabled verification through UIDAI Dynamic repayment schedule for clients Dedicated teams to address delinquency Strengthening Supervisory visits in the field Detailed HHI assessment Geo tagging at every touch point in th