Satin Creditcare Network Limited

rs,

Presentation Dear Sir/Madam, August 08, 2025 The Manager, BSE Limited 25th Floor, P. J. Towers, Dalal Street, Mumbai – 400001 Scrip Code: 539404 Pursuant to Regulation 30 of the SEBI (Listing

INR 12,499 Crore

Satin Creditcare Network Ltd. INVESTOR PRESENTATION Q1-FY26 SNAPSHOT d e t a d i l o s n o C INR 12,499 Crores AUM INR 2,242 Crores Disbursement ~33 Lakhs Active Clients ~1,600 Branches ~16,500 Employees

INR 2,242 Crore

rk Ltd. INVESTOR PRESENTATION Q1-FY26 SNAPSHOT d e t a d i l o s n o C INR 12,499 Crores AUM INR 2,242 Crores Disbursement ~33 Lakhs Active Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost

33 Lakh

1-FY26 SNAPSHOT d e t a d i l o s n o C INR 12,499 Crores AUM INR 2,242 Crores Disbursement ~33 Lakhs Active Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost 13.2% NIM 1.5% ROA 7.1

4.5%

M INR 2,242 Crores Disbursement ~33 Lakhs Active Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost 13.2% NIM 1.5% ROA 7.1% ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are a

13.2%

s Disbursement ~33 Lakhs Active Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost 13.2% NIM 1.5% ROA 7.1% ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are annualized Data as o

1.5%

ent ~33 Lakhs Active Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost 13.2% NIM 1.5% ROA 7.1% ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are annualized Data as on Jun’25

7.1%

akhs Active Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost 13.2% NIM 1.5% ROA 7.1% ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are annualized Data as on Jun’25 3.7% GNPA

3.6x

ve Clients ~1,600 Branches ~16,500 Employees $ 4.5% Credit Cost 13.2% NIM 1.5% ROA 7.1% ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are annualized Data as on Jun’25 3.7% GNPA 26.0% CRA

3.7%

ROA 7.1% ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are annualized Data as on Jun’25 3.7% GNPA 26.0% CRAR 99.3% X Bucket CE 71 Active Lenders Long term rating: “A (Stable)” by ICRA 2

26.0%

ROE 3.6x Leverage Ratio l e n o a d n a t S Ratios are annualized Data as on Jun’25 3.7% GNPA 26.0% CRAR 99.3% X Bucket CE 71 Active Lenders Long term rating: “A (Stable)” by ICRA 2 STAYING AH

99.3%

verage Ratio l e n o a d n a t S Ratios are annualized Data as on Jun’25 3.7% GNPA 26.0% CRAR 99.3% X Bucket CE 71 Active Lenders Long term rating: “A (Stable)” by ICRA 2 STAYING AHEAD OF THE C

“Ticket Size for Q1-FY26 GNPA CRAR Active Lenders Credit Rating Satin Creditcare Network Ltd.”

“Any offering of securities by the Company, if made, will be through a statutory offering document containing detailed disclosures in accordance with applicable laws.”

What This Signals

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Note

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Notes

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Satin Creditcare Network Limited

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Valorem Advisors Disclaimer

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What This Signals

✓ Preparedness for Evolving Global ESG Expectations ✓ Investor-Ready Transparency and Assurance 5 DIVERSIFIED GEOGRAPHICAL PRESENCE PRESENCE ACROSS 29 STATES AND UTs No. of Branches No. of Regional Offices No. of Districts No. of Centres Districts with <1% exposure 1 71 51 1 7 104 18 283 49 116 36 40 50 24 1 80 1 3 140 2 187 50 134 3 15 36 96 Top 4 States (56%) Next 6 States (27%) Remaining 19 States/UTs (17%) No. of Branches DISTRICTS, STATES AND BRANCHES 1,286 24 405 FY23 28.3 2.7 25.6 FY23 1,393 26 421 FY24 1,568 29 529 FY25 Districts States CLIENTS (LAKHS)^ 34.7 1.3 33.4 FY24 33.6 0.8 32.9 FY25 1,599 29 519 Q1-FY26 Branches 32.9 0.8 32.0 Q1-FY26 SCNL Subsidiaries EMPLOYEES & LOAN OFFICERS 7,449 11,131 1,909 9,222 FY23 9,309 12,896 1,533 11,363 11,509 16,705 1,516 11,239 16,454 1,510 15,189 14,944 FY24 FY25 Q1-FY26 Satin Employees Subsidiaries Loan Officers* ^ The reduction in number of clients for subsidiaries in FY24 is on account of running down of BC book in SFL * Loan officers

Note

1. Sequential decline in AUM is primarily due to slower disbursements and write-offs during the quarter 2. The decline in number of active clients is on account of curtailed addition of new clients and write-offs 10 STANDALONE FINANCIAL HIGHLIGHTS Q1-FY26 Q4-FY25 Q-o-Q Q1-FY25 Y-o-Y Gross Yield 23.06% 20.34% Cost of borrowing 9.58% 8.53% NIM 13.48% 11.81% Operating Expense Ratio Loan Loss Ratio RoA RoE Leverage Ratio 6.68% 4.84% 1.51% 5.97% 2.90x 7.24% 3.81% 1.51% 5.79% 2.77x Cost to Income Ratio 49.57% 61.30% 22.09% 8.71% 13.38% 5.54% 2.63% 4.02% 15.10% 2.67x 41.37% NIMs have remained stable and consistent it Opex ratio is elevated on a YoY basis owing to sector headwinds. However, shown improvement, driven sequential by ongoing cost rationalization efforts as operational conditions begin to stabilize has Loan loss ratio for the quarter is elevated due to the inherent quarter, seasonality coupled with reduction in AUM on slower disbursement account the of of Improved Performance on a

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 22 branches and 26,486 loan accounts (3) SCNL also has additional MSME portfolio of INR 220 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 22 BUSINESS DETAILS Particulars AUM (INR Crores) SCNL On-book Off-book SHFL SFL Retail MSME AUM Mix (INR Crores) MFI Lending Business Correspondence MSME Housing Finance No. of Branches SCNL SHFL SFL Q1-FY26 12,499 10,956 8,668 2,288 961(1) 582 551 12,499 10,767 31 771 961 1,599 1,487 44 68 Q1-FY25 11,706 10,485 8,021 2,464 769 452 353 11,706 10,337 99 601 769 1,447 1,301 37 109 YoY% 6.8% 6.8% 10.5% Q4-FY25 12,784 11,316 8,722 2,594 920 548 516 12,784 11,135 32 729 920 1,568 1,454 44 70 QoQ% (2.2)% (2.2)% 2.0% 1) Includes assigned portfolio of INR 162 Crores 23 CAPIT

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

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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 Tel: +91-22-49039500 Ms. Aditi Singh Ms. Shweta Ba