Satin Creditcare Network Limited

rs,

resentation Dear Sir/Madam, October 29, 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 12,687 Crore

Ltd. INVESTOR PRESENTATION Q2/H1-FY26 KEEPING THE GROWTH STORY INTACT d e t a d i l o s n o C INR 12,687 Crores AUM 8% YoY INR 4,868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% Yo

8%

TION Q2/H1-FY26 KEEPING THE GROWTH STORY INTACT d e t a d i l o s n o C INR 12,687 Crores AUM 8% YoY INR 4,868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,95

INR 4,868 Crore

/H1-FY26 KEEPING THE GROWTH STORY INTACT d e t a d i l o s n o C INR 12,687 Crores AUM 8% YoY INR 4,868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY I

3%

TORY INTACT d e t a d i l o s n o C INR 12,687 Crores AUM 8% YoY INR 4,868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPo

33 Lakh

CT d e t a d i l o s n o C INR 12,687 Crores AUM 8% YoY INR 4,868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM

17%

Crores AUM 8% YoY INR 4,868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM 45 bps YoY $ 4.50% Credit Cost 1.6

2%

868 Crores Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM 45 bps YoY $ 4.50% Credit Cost 1.61% ROA 7.61% ROE l e n

INR 413 Crore

es Disbursement 3% YoY ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM 45 bps YoY $ 4.50% Credit Cost 1.61% ROA 7.61% ROE l e n o a d n a t S Rat

13.58%

Y ~33 Lakhs Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM 45 bps YoY $ 4.50% Credit Cost 1.61% ROA 7.61% ROE l e n o a d n a t S Ratios are annual

45 bps

s Active Clients 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM 45 bps YoY $ 4.50% Credit Cost 1.61% ROA 7.61% ROE l e n o a d n a t S Ratios are annualized Data f

4.50%

ts 1,713 Branches 17% YoY 16,950 Employees 2% YoY INR 413 Crores PPoP 13.58% NIM 45 bps YoY $ 4.50% Credit Cost 1.61% ROA 7.61% ROE l e n o a d n a t S Ratios are annualized Data for H1-FY26 3.

“Opex is elevated on account of branch expansion 12 12 Q2/H1-FY26 CONSOLIDATED HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y AUM (INR Crores) Disbursement (INR Crores) Active Clients (Lakhs) 12,687 12,499 1.5% 11,749 8.0% 12,687 11,749 2,626 2,242 17.1% 2,619 0.3% 4,868 4,733 33.3 32.9 Branches 1,713 1,599 Total Revenue (INR Crores) PPOP (INR Crores) PAT (INR Crores) 793 212 53 713 201 45”

“Opex is elevated due to branch expansion 18 18 ASSET QUALITY AND PROVISIONS 6.8% 5.2% 4.3% 3.5% 6.4% 5.7% 4.9% 3.9% PAR TREND 4.9% 4.6% 4.2% 5.8% 5.0% 4.4% 3.7% 3.7% 5.8% 4.9% 4.2% 3.5% NNPA & COVERAGE RATIO Overall Coverage Ratio 99.2% 99.2% 89.2% 97.3% 105.2% 3.5% 3.9% 3.7% 3.7% 3.5% 2.2% 1.4% 2.4% 1.5% 2.3% 1.4% 2.4% 1.4% 2.3% 1.2% Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 Q2-FY25 Q3-FY25 Q4-FY25 Q1-FY26 Q2-FY26 PAR 90 PAR 60 PAR 30 PAR 1 Above numbers are on a cumulative basis.”

“Ticket Size for Q2-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.”

Note

9

What This Signals

1

Satin Creditcare Network Limited

1

Valorem Advisors Disclaimer

1

What This Signals

 Preparedness for Evolving Global ESG Expectations  Investor-Ready Transparency and Assurance 5 DIVERSIFIED GEOGRAPHICAL PRESENCE PRESENCE ACROSS 26 STATES AND 5 UTs No. of Branches No. of Regional Offices No. of Districts No. of Centres Districts with <1% exposure 1 80 55 1 7 105 22 318 49 133 36 41 50 25 1 80 1 3 144 2 197 52 158 3 15 1 37 96 Top 4 States (57%) Next 6 States/UTs (26%) Remaining 21 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 1,713 31 550 H1-FY26 Branches 33.3 0.8 32.4 H1-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 11,258 16,950 1,607 15,189 15,343 FY24 FY25 H1-FY26 Satin Employees Subsidiaries Loan Officers* # includes UTs also ^ The reduction in number of clients is on account of running down of BC book in SFL, calibrated

Note

1. The decline in number of active clients is on account of curtailed addition of new clients and write-offs 1. The decline in number of active clients is on account of curtailed addition of new clients and write-offs 10 10 Q2/H1-FY26 STANDALONE FINANCIAL HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Gross Yield 26.05% 23.06% Cost of Borrowing NIM Operating Expense Ratio Loan Loss Ratio RoA RoE Leverage Ratio Cost to Income Ratio 11.36% 9.58% 14.69% 13.48% 7.42% 4.83% 1.75% 6.68% 4.84% 1.51% 7.17% 5.97% 2.95x 2.90x 22.95% 9.27% 13.68% 6.38% 5.11% 1.59% 5.97% 2.73x 24.30% 22.47% 10.36% 8.97% 13.94% 13.50% 6.98% 4.79% 1.65% 5.95% 3.85% 2.79% 6.56% 10.55% 2.95x 2.73x 50.52% 49.57% 46.65% 50.06% 44.03%

Note

1. There is an increase in income on account of MTM gains, and a subsequent expense in cost of borrowing due to effect of change in Forex rates, therefore there is no significant impact on PAT while Gross Yield and Cost of Borrowing are elevated 2. Our Forex borrowings are 100% hedged 3. Opex is elevated on account of branch expansion 11 11 STANDALONE INCOME STATEMENT Income Statement ( INR Crores) Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Interest Income Less: Finance Cost Less: Forex Loss MTM Gains Other Income Net Interest Income Operating Expenses Credit Cost Profit Before Tax Less: Tax Profit for the Period 539 238 74 83 95 404 204 133 67 15 52 543 239 28 27 72 375 186 135 55 12 43 (0.8)% (0.1)% 163.1% 206.7% 31.7% 7.7% 9.7% (1.5)% 21.8% 24.8% 21.7% 511 235 8 0 90 358 167 134 57 16 42 5.4% 1.6% - - 5.8% 12.8% 22.1% (0.6)% 16.5% (5.4)% 24.8% 1,082 1,022 477 102 110 167 779 390 268 122 27 94 463 10 (4) 165 711 313 203 195 51 144 Y-o-Y 5.9% 3.1% - - 1.2% 9.6% 24.6% 31.9% (3

Note

1. There is an increase in income by INR 83 Crores on account of MTM gains, and a subsequent expense in Finance cost due to effect of change in Forex rates of INR 74 Crores, therefore there is no significant impact on PAT, while other income and Finance Cost are elevated 2. Our Forex borrowings are 100% hedged 3. Opex is elevated on account of branch expansion 12 12 Q2/H1-FY26 CONSOLIDATED HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y AUM (INR Crores) Disbursement (INR Crores) Active Clients (Lakhs) 12,687 12,499 1.5% 11,749 8.0% 12,687 11,749 2,626 2,242 17.1% 2,619 0.3% 4,868 4,733 33.3 32.9 Branches 1,713 1,599 Total Revenue (INR Crores) PPOP (INR Crores) PAT (INR Crores) 793 212 53 713 201 45

Note

1. The decline in number of active clients is on account of curtailed addition of new clients and write-offs 1.0% 7.1% 11.2% 5.4% 34.6 3.9% 33.3 1,463 17.1% 1,713 34.6 1,463 657 198 20.6% 1,506 1,292 7.1% 413 17.9% 45 18.9% 98 411 150 8.0% 2.9% 3.9% 17.1% 16.6% 0.7% 34.5% 13 13 Q2/H1-FY26 CONSOLIDATED FINANCIAL HIGHLIGHTS Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Gross Yield 25.18% 22.57% Cost of Borrowing 10.94% 9.40% NIM 14.25% 13.17% Operating Expense Ratio Loan Loss Ratio RoA RoE 7.51% 4.55% 1.68% 8.19% Leverage Ratio 3.71x 6.80% 4.53% 1.50% 7.06% 3.64x Cost to Income Ratio 52.72% 51.64% 22.42% 9.08% 13.35% 6.60% 4.65% 1.63% 7.08% 3.30x 49.42% 23.65% 21.90% 10.07% 8.76% 13.58% 13.13% 7.09% 4.50% 1.61% 7.61% 3.71x 6.17% 3.53% 2.77% 12.14% 3.30x 52.20% 47.00%

Note

1. There is an increase in income on account of MTM gains, and a subsequent expense in cost of borrowing due to effect of change in Forex rates, therefore there is no significant impact on PAT while Gross Yield and Cost of Borrowing are elevated 2. Our Forex borrowings are 100% hedged 3. Opex is elevated on account of branch expansion 14 14 CONSOLIDATED INCOME STATEMENT Income Statement (INR Crores) Q2-FY26 Q1-FY26 Q-o-Q Q2-FY25 Y-o-Y H1-FY26 H1-FY25 Y-o-Y Interest Income Less: Finance Cost Less: Forex Loss MTM Gains Other Income Net Interest Income Operating Expenses Credit Cost Profit Before Tax Less: Tax Profit for the Period 597 270 74 83 112 449 236 143 69 16 53 601 269 28 27 85 416 215 143 58 13 45 (0.5)% 0.5% 163.1% 206.7% 31.8% 7.8% 10.2% - 19.0% 19.7% 18.0% 555 258 8 0 102 391 193 136 62 17 45 7.6% 4.7% - - 9.8% 14.6% 22.4% 5.1% 11.3% (7.9)% 18.2% 1,199 1,102 539 102 110 197 865 451 286 127 29 98 507 10 (4) 193 775 364 208 203 53 150 8.7% 6.2% - - 2.1% 11.6% 23.9% 37.7% (37.4)