Satin Creditcare Network Limited

rs,

resentation Dear Sir/Madam, October 31, 2025 The Manager, BSE Limited 25th Floor, P. J. Towers, Dalal Street, Mumbai – 400001 Scrip Code: 539404 In continuation to our earlier intimation date

3 million

Satin Creditcare Dr . Singh has spent over 30 years in financial he expanded SCNL to serve over 3 million women across 29 leadership states . emphasizes digital transformation, empowering communities

10%

DE - MICROFINANCE ERA: Limited Formal Credit ` Informal Lending Sparse Bank Presence Only 8 -10% of rural households had access to formal loans pre - 2000s: <40% unbanked adults ~45% of rural

40%

Sparse Bank Presence Only 8 -10% of rural households had access to formal loans pre - 2000s: <40% unbanked adults ~45% of rural credit came from money lenders; interest rates 30 - 60% p.a. On

45%

Only 8 -10% of rural households had access to formal loans pre - 2000s: <40% unbanked adults ~45% of rural credit came from money lenders; interest rates 30 - 60% p.a. Only 1 branch per 17 vil

60%

000s: <40% unbanked adults ~45% of rural credit came from money lenders; interest rates 30 - 60% p.a. Only 1 branch per 17 villages; poor digital access in rural India Collateral Dependency H

70%

poor digital access in rural India Collateral Dependency High Cost to Serve Gender Exclusion 70%+ rural households landed land titles; Excluded from bank loans Small - ticket loans uneconomica

20%

titles; Excluded from bank loans Small - ticket loans uneconomical - Cost - to - income >15 - 20% <20% women accessed formal credit: reliance on male intermediaries Microfinance was born out of

INR 3.75 lakh crore

and bring formal finance to the last mile. 5 INDIA’S MICROFINANCE SECTOR TODAY Industry Size INR 3.75 lakh crore gross loan portfolio (FY2025) Borrowers ~71 million borrowers Rural Reach 80% rural clients I

71 million

NANCE SECTOR TODAY Industry Size INR 3.75 lakh crore gross loan portfolio (FY2025) Borrowers ~71 million borrowers Rural Reach 80% rural clients Institutional Mix NBFC - MFIs: ~39% - Banks: ~32% SFBs

80%

INR 3.75 lakh crore gross loan portfolio (FY2025) Borrowers ~71 million borrowers Rural Reach 80% rural clients Institutional Mix NBFC - MFIs: ~39% - Banks: ~32% SFBs: ~16% - Others : ~13% Port

39%

Borrowers ~71 million borrowers Rural Reach 80% rural clients Institutional Mix NBFC - MFIs: ~39% - Banks: ~32% SFBs: ~16% - Others : ~13% Portfolio Quality PAR 90+ Days: 5.4% Growth ~9.5% C

“of Centres 97.7% Districts with <1% exposure # includes UTs also 1 80 55 1 7 105 22 318 49 133 36 41 50 25 1 80 DISTRICTS, STATES AND BRANCHES 1,224 1,286 1,393 23 24 404 FY22 405 FY23 26 421 FY24 1,568 29 1,713 31 529 FY25 550 H1-FY26 1 3 144 2 197 52 158 3 15 1 37 96 Districts States# Branches Top 4 States (57%) Next 6 States/UTs (26%) Remaining 21 States/UTs (17%) N o.”

“INR 10,000 – INR 50,000 Tenure: 12 - 24 months 28 6 - 48 Months INR 58,000 (JLG) Bi -weekly 32,97,230 26.3% ICRA A (Stable) AUM and Total Revenue (INR Crores) 10,593 11,316 11,044 7,929 6,409 1,262 1,762 2,051 2,377 1,358 FY22 FY23 FY24 FY25 H1-FY26 AUM Total Revenue Product Financing Long Term Loan (Vriddhi) WASH Loan”

“of Loan Accounts GNPA CRAR INR 1,022 Crores 22 24 - 240 Months INR 14,40,000 Monthly 9,921 3.5% 69.6% AUM and Total Revenue (INR Crores) 1,022 920 756 505 318 38 62 92 115 72 FY22 FY23 FY24 FY25 H1-FY26 Credit Rating A - (Stable) from ICRA and Infomerics AUM Total Revenue 32 MSME & GREEN FINANCE Satin FinServ Limited (SFL), founded in 2018, provides customized financial solutions to support India’s vital MSME sector.”

“of Loan Accounts GNPA CRAR INR 590 Crores AUM and Total Revenue (INR Crores) 11 618 619 12-120 Months 519 590 516 INR 1,60,000 (Retail) Monthly/Quarterly 45,621 (1) 4.6% 32.9% 97 107 121 127 79 FY22 FY23 FY24 FY25 H1-FY26 Credit Rating A - (Stable) from ICRA AUM Total Revenue 1.”

Ticket Size

4

EMPOWERING DREAMS

1

NAVIGATING CHALLENGES

1

EMPOWERING DREAMS

THE VISION THAT FOUNDED SATIN CREDITCARE NETWORK LTD. Bridging Credit Gap Serving the Underserved Tailored Repayment Model Identified lack of formal credit access for small shopkeepers and micro - Designed to empower low borrowers through collateral - income - free Introduced Bi -Weekly collection system aligned to clients’ cash flows. entrepreneurs. microloans. Financial Inclusion Mission Social Empowerment Purpose - Driven Vision Aimed to bring formal finance to unbanked rural and semi - urban India. Focused on uplifting women and small business owners through access to Founded to transform financial exclusion into economic opportunity. credit. 9 HIGHLY ACCOMPLISHED BOARD OF DIRECTORS Dr. HP Singh Chairman cum Managing Director Experienced Leader in Microfinance & Financial Inclusion Mr. Satvinder Singh Non - Independent Director Experienced Leader in Consumer Marketing & Finance Mr. Joydeep Datta Gupta Independent Director Experienced Leader in Professional Services & Governance Ms.

NAVIGATING CHALLENGES

LEARNINGS FROM INDUSTRY SHOCKS Demonetization Covid - 19 Recent Industry Turmoil • • • • - in - class Implementation of best technology Diversifying geographical presence Strong capitalization with ample liquidity Strategic changes • • • Technology and Underwriting Fund Raising Amalgamation of Subsidiaries • • • • Enhanced underwriting discipline Much before guardrails Strategic shift from unsecured to secured portfolio Leveraging the in - house technology to foray into non financial space Expanding into the AIF space to drive scale and strategic synergy - 2016 2020 2024 De - risking Geographic Concentration (No. of States & UTs) 29 District Diversification Reduction in Top 4 States Contribution Reduced Leverage Improved Capital Adequacy 529 81% 6.05 26% 16 235 56% 2.77 24% Mar-17 Mar-25 Mar-17 Mar-25 Mar-17 Mar-25 Mar-17 Mar-25 Mar-17 Mar-25 11 SATIN CREDITCARE 35+ YEARS OF FINANCIAL EMPOWERMENT : #3 in terms of AUM #1 in terms of Geographic presence #3 in terms of Customer Base Consi

Ticket Size

INR 10,000 – INR 50,000 Tenure: 12 - 24 months 28 6 - 48 Months INR 58,000 (JLG) Bi -weekly 32,97,230 26.3% ICRA A (Stable) AUM and Total Revenue (INR Crores) 10,593 11,316 11,044 7,929 6,409 1,262 1,762 2,051 2,377 1,358 FY22 FY23 FY24 FY25 H1-FY26 AUM Total Revenue Product Financing Long Term Loan (Vriddhi) WASH Loan

Ticket Size

INR 10,000 – INR 35,000 Tenure: 12 - 24 months 18 DELIVERING INDUSTRY PORTFOLIO QUALITY THROUGH OPERATIONAL CAPABILITIES - LEADING LOAN LIFE CYCLE KEY INITIATIVES BENEFITS Budgeting Macro - factor forecast Scenario - Based Planning & Stress Testing Resilience to External Shocks Onboarding Underwriting & Decisioning Disbursement Credit Discipline and Review Mechanism Collections and Delinquencies Management Digitized Onboarding OTP validations at client onboarding & disbursement level No loan to Overdue customers Identification of Early warning signals Detailed HHI assessment Geo tagging at every touch point in the onboarding journey Credit Bureau & Application based scorecards Center and client level grading Iris / Biometric enabled verification through UIDAI Risk based pricing Dynamic repayment schedule for clients Geo - fencing to ensure JLG efficacy Impact Analysis Environemental Portfolio Regular and surprise center visits, along with supervisory follow - ups. on Credit Loss Foreca