Satin Creditcare Network Limited
5,982words
10turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
INR 11,316 Crore
33 Lakh
3.70%
INR 2,377 Crore
INR 736 Crore
INR 217 Crore
2.07%
7.86%
INR 2,843 Crore
25.85%
INR 12,784 Crore
Guidance — 2 items
Ticket Size
opening
“and In collaboration with the RBI and industry SROs, we conducted 48 workshops across multiple states in FY25.”
Satin Creditcare Network Limited
opening
“Any offering of securities by the Company, if made, will be through a statutory offering document containing detailed disclosures in accordance with applicable laws.”
Risks & concerns — 6 flagged
As an active player, we too felt the impact of each.
— Technology
Our resilience is built on strong governance, best-in-class risk management, disciplined underwriting, innovation, and a robust business model.
— Technology
During COVID, while stress spread across the industry, our credit costs remained among the lowest in the sector, as highlighted by few analyst reports.
— Technology
Every action, crisis response, system enhancement, risk mitigation has been a step toward building a business with purpose and perseverance.
— Technology
GNPA NNPA ECL% • • • • • Sustained PAR reversal from Nov’24 onwards Positive reversal in PAR 90, reflecting our success in arresting forward flows driven by strong client engagement and robust risk management Sufficient on-book provisions of INR 288 Crores as on Mar’25, which is 3.3% of on-book portfolio.
— Satin Technologies Limited
HP Singh CMD Jugal Kataria Group Controller Aditi Singh Chief Strategy Officer Anil Kwatra Chief Business Officer Sunil Yadav Chief Information Officer Manoj Agrawal Chief Financial Officer Vikas Wadhera Chief Risk Officer Dhiraj Jha CEO - SFL Amit Sharma MD & CEO - SHFL Rupinder Kalia CEO & MD - Satin Tech CMD: Chairman cum Managing Director 34 DIVERSIFIED PRODUCT OFFERINGS Product features as of Mar’25 Start Date Purpose Ticket Size Range Tenure Frequency of Collection No.
— Satin Technologies Limited
Speaking time
5
1
1
1
1
1
Opening remarks
Technology
• Robust Onboarding Practices: Rejection rates higher than the industry to maintain credit quality • Advanced Analytical Capability: Centralized data analytics unit which helps in identifying Early Warning Signals (EWS) and data-driven decision-making • Monitoring Risk Controls: Continuous monitoring ensuring early detection, timely response and operational resilience • Stable & Invested Leadership Team: One of the most consistent and committed teams at Satin • Learned from Failures: Not just bounced back, but came • Strong Diversity & Inclusion: Created an inclusive, balanced back stronger work culture 5 A STRATEGY DEFINED BY VISION, BUILT TO WITHSTAND TIME At Satin, our approach has always been grounded in building a future-ready and sustainable model with thinking in years, not quarters. What we’re witnessing today is not the result of short-term gains, but the culmination of decades of strategic execution, bold decision-making, and consistent discipline. Over the past 15+ years, th
Satin Technologies Limited
Satin Housing Finance Ltd Satin Finserv Ltd Satin Technologies Ltd • • • • • • AUM of INR 920 Crores; 22% YoY growth 100% retail book; middle and low-income group clients from Tier II and below cities GNPA of 2.8% as on Mar’25 CRAR of 52.2% as on Mar’25 32 active lenders, including NHB Refinance Credit Rating of A- (Stable) from ICRA and Infomerics • • • • • On-book AUM increased 58% YoY to reach INR 516 Crores Focus on secured retail MSME lending GNPA of 4.5% for sub INR 3.5 Lakhs ticket size loans (~98% of total portfolio); vs 4.9% as of Dec’24 driven by proactive steps CRAR of 37.6% as on Mar’25 21 active Banks, Impact Funds etc. Credit Rating of A- (Stable) from ICRA including lenders, • • Offers an advanced Human Resource Management System (HRMS) and Loan Management Platform efficiency, drive Aims to customer and scalability, satisfaction through the use of technology, the evolving needs of businesses in the digital age meeting • Within the first two months of incorporation, acqui
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 28,130 loan accounts (3) SCNL also has additional MSME portfolio of INR 213 Crores 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 INR 31 Crores. 35 MICROFINANCE SOLUTIONS MEETING CUSTOMERS WHERE THEY ARE—WITH WHAT THEY NEED Income Generation Loan (Prarambh) Product Financing Long Term Loan (Vriddhi) WASH Loan Madhya Vriddhi Loan
Ticket Size
INR 10,000 – INR 15,000 Tenure: 12 - 24 months Tenure: 06 - 24 months Tenure: 24 - 48 months Tenure: 12 - 24 months Tenure: 24 - 30 months Eligibility Criteria per RBI • Annual Household Income: up to INR 3 Lakhs • The outflows limit of 50% of the monthly household income shall include repayment towards all existing loans as well as any loan under consideration • Maximum monthly loan repayment obligation (incl. applied loan): <=INR 12,500 • OTP & Bank validation * Household shall mean an individual family unit, i.e. husband, wife and their unmarried children 36 DIVERSIFIED GEOGRAPHICAL PRESENCE PRESENCE ACROSS 29 STATES AND UTs DISTRICTS, STATES AND BRANCHES No. of Branches No. of Regional Offices No. of Districts No. of Centres Districts with <1% exposure 23 404 FY22 28.1 3.6 24.5 FY22 8,774 12,705 1,969 10,736 FY22 Top 4 States (56%) Next 6 States (27%) Remaining 19 States/UTs (17%) 1,224 1,286 1,393 26 421 FY24 1,568 29 529 FY25 24 405 FY23 Districts States Branches CLIENTS (LAKHS)
Satin Creditcare Network Limited
This presentation and the accompanying slides (the “Presentation”), which have been prepared by Satin Creditcare Network Limited (the “Company”), have been prepared solely for information purposes and do not constitute and should not be construed as, any offer, recommendation or invitation to purchase or subscribe for any securities of the Company. This Presentation shall not form the basis of or be relied upon in connection with any contract or binding commitment whatsoever. Any offering of securities by the Company, if made, will be through a statutory offering document containing detailed disclosures in accordance with applicable laws. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, however, the Company makes no representation or warranty, express or implied, as to, and disclaims any liability for, the fairness, accuracy, completeness, or correctness of the information or opinions contained herein. This Presentat
Valorem Advisors Disclaimer
Valorem Advisors is an Independent Investor Relations Management Service company. This Presentation has been prepared by Valorem Advisors based on information and data provided by the Company, which it believes to be reliable. However, Valorem Advisors and the Company expressly disclaim any and all liability for, and do not make any representation or warranty, express or implied, as to, the accuracy, completeness, or fairness of the information contained in this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Valorem Advisors also hereby certifies that the directors or employees of Valorem Advisors do not own any stock in personal or company capacity of the Company under review. For further details, please contact: Mr. Anuj Sonpal Valorem Advisors Ms. Aditi Singh Ms. Shweta Bansal Satin Creditcare