Satin Creditcare Network Limited

rs,

or Presentation Dear Sir/Madam, May 11, 2026 The Manager, BSE Limited 25th Floor, P. J. Towers, Dalal Street, Mumbai – 400001 Scrip Code: 539404 Pursuant to Regulation 30 of the SEBI (Listing

₹ 25,000 Crore

. 2 JUGGERNAUT OF DIVERSIFICATION GAINS MOMENTUM Revising upwards the AUM Target for FY2030 from ₹ 25,000 Crores to ₹ 32,000 Crores 17% Non-MFI Portfolio SCNL has significantly diversified beyond MFIs into H

₹ 32,000 Crore

DIVERSIFICATION GAINS MOMENTUM Revising upwards the AUM Target for FY2030 from ₹ 25,000 Crores to ₹ 32,000 Crores 17% Non-MFI Portfolio SCNL has significantly diversified beyond MFIs into Housing Finance, MSM

17%

GAINS MOMENTUM Revising upwards the AUM Target for FY2030 from ₹ 25,000 Crores to ₹ 32,000 Crores 17% Non-MFI Portfolio SCNL has significantly diversified beyond MFIs into Housing Finance, MSMEs, an

30%

ficantly diversified beyond MFIs into Housing Finance, MSMEs, and Sustainable Businesses Target 30% Non-MFI AUM by FY2030 NON-MFI PORTFOLIO COMPOSITION | Consolidated AUM: ₹15,174 Crores Non-MFI AU

₹15,174 Crore

le Businesses Target 30% Non-MFI AUM by FY2030 NON-MFI PORTFOLIO COMPOSITION | Consolidated AUM: ₹15,174 Crores Non-MFI AUM: ₹2,653 Crores | Grown from ~5% in FY2019 to 17% in FY26 Satin Housing Finance Limi

₹2,653 Crore

n-MFI AUM by FY2030 NON-MFI PORTFOLIO COMPOSITION | Consolidated AUM: ₹15,174 Crores Non-MFI AUM: ₹2,653 Crores | Grown from ~5% in FY2019 to 17% in FY26 Satin Housing Finance Limited (SHFL) ₹ 1,267 Crores AU

5%

PORTFOLIO COMPOSITION | Consolidated AUM: ₹15,174 Crores Non-MFI AUM: ₹2,653 Crores | Grown from ~5% in FY2019 to 17% in FY26 Satin Housing Finance Limited (SHFL) ₹ 1,267 Crores AUM 3-Yr AUM CAGR: 3

₹ 1,267 Crore

AUM: ₹2,653 Crores | Grown from ~5% in FY2019 to 17% in FY26 Satin Housing Finance Limited (SHFL) ₹ 1,267 Crores AUM 3-Yr AUM CAGR: 36% | Serving graduated MFI clients ready for home ownership Satin Finserv Lim

36%

% in FY2019 to 17% in FY26 Satin Housing Finance Limited (SHFL) ₹ 1,267 Crores AUM 3-Yr AUM CAGR: 36% | Serving graduated MFI clients ready for home ownership Satin Finserv Limited (SFL) ₹ 1,054 Crore

₹ 1,054 Crore

AUM CAGR: 36% | Serving graduated MFI clients ready for home ownership Satin Finserv Limited (SFL) ₹ 1,054 Crores AUM 3- Yr AUM CAGR: 66% | MSME | Sustainable Finance | Micro Loans Our Process – Satin Finserv Li

66%

FI clients ready for home ownership Satin Finserv Limited (SFL) ₹ 1,054 Crores AUM 3- Yr AUM CAGR: 66% | MSME | Sustainable Finance | Micro Loans Our Process – Satin Finserv Limited Foray in Fee Busin

“Yield in Q4-FY26 was elevated on account of MTM gains, and a subsequent expense in cost of borrowing due to effect of change in Forex rates 2.”

“FY25 and Q3-FY26 numbers have been regrouped 20 20 ASSET QUALITY AND PROVISIONS PAR TREND NNPA & COVERAGE RATIO 5.8% 5.0% 4.4% 4.9% 4.6% 4.2% 3.7% 3.7% 5.8% 4.9% 4.7% 4.2% 4.1% 3.7% 3.7% 3.6% 3.4% 3.5% 3.3% 3.1% Overall Coverage Ratio 89.2% 97.3% 105.2% 94.8% 92.0% 3.7% 3.7% 3.5% 3.3% 3.1% 2.3% 1.4% 2.4% 1.4% 2.3% 1.2% 2.2% 1.1% 2.3% 0.9% Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 PAR 90 PAR 60 PAR 30 PAR 1 Above numbers are on a cumulative basis.”

“of States and UTs Tenure Average Ticket Size – Q4-FY26 Collection Frequency No.”

“of Loan Accounts GNPA CRAR Credit Rating ₹ 1,267 Crores 22 24-240 Months ₹ 12,55,000 Monthly 12,249 3.0% 53.8% A- (Stable) from ICRA AUM and Total Revenue (₹ Crores) 1,267 920 756 505 62 FY23 92 115 146 FY24 AUM FY25 FY26 Total Revenue AUM 3 Year CAGR: 35.9% Total revenue 3 Year CAGR: 33.1% 28 SATIN FINSERV LIMITED Satin Finserv Limited (SFL), founded in 2018, provides diversified financial solutions to support India’s vital MSME sector.”

“Expanded green finance portfolio with disbursement of 34 loans amounting to ₹256 Crores in FY26 Our Process – Satin Finserv Limited AUM No.”

“of States and UTs Tenor ₹1,054 Crores 14 Upto 60 months Average Ticket Size – Q4-FY26 ₹1,87,000 (Retail) Collection Frequency No.”

“Ticket Size for Q4-FY26 ₹ 58,000 (JLG) ₹ 12,55,000 ₹ 1,87,000 (Retail) GNPA CRAR Active Lenders Credit Rating 3.1% 25.4% 75 3.0% 53.8% 34 3.8% 29.6% 31 ICRA A (Stable) ICRA A- (Stable) ICRA A- (Stable)”

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

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PQC

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IIT-INCUBATED IP

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SATIN SYNERGY

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REGULATED MARKETS

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Notes

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Satin Creditcare Network Limited

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Valorem Advisors Disclaimer

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Note

1. 2. Our Forex borrowings are 100% hedged ; 3. Opex and Cost/Income elevated on account of branch expansion ; 4. FY25 and Q3-FY26 numbers have been regrouped Yield in Q4 was elevated on account of MTM gains, and a subsequent expense in cost of borrowing due to effect of change in Forex rates 14 14 14 Q4-FY26/FY26 STANDALONE FINANCIAL HIGHLIGHTS Q4-FY26 Q3-FY26 Q-o-Q Q4-FY25 Y-o-Y FY26 FY25 Y-o-Y Gross Yield1 26.70% Cost of Borrowing1 NIM Operating Expense Ratio Loan Loss Ratio RoA RoE Leverage Ratio Cost to Income Ratio 11.29% 15.41% 6.98% 2.48% 4.31% 17.91% 3.07x 23.60% 9.10% 14.50% 7.03% 4.23% 2.33% 9.57% 2.94x 20.17% 8.53% 11.64% 7.07% 3.81% 1.51% 5.79% 2.77x 23.37% 21.54% 9.76% 8.67% 13.62% 12.87% 6.54% 3.82% 2.51% 6.15% 4.59% 2.07% 10.12% 7.86% 3.07x 2.77x 45.31% 48.47% 60.76% 47.99% 47.77%

Note

1. 2. Our Forex borrowings are 100% hedged ; 3. Opex and Cost/Income elevated on account of branch expansion ; 4. FY25 and Q3-FY26 numbers have been regrouped Yield in Q4 was elevated on account of MTM gains, and a subsequent expense in cost of borrowing due to effect of change in Forex rates 15 15 15 STANDALONE QUARTERLY PROGRESS (1/3) AUM (₹ Crores) DISBURSEMENT (₹ Crores) TOTAL INCOME (₹ Crores) 11,316 10,956 11,044 11,482 12,853 2,881 2,065 2,421 3,820 2,896 637 705 665 557 812 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 NII (₹ Crores) PPOP (₹ Crores) NET WORTH (₹ Crores) 392 408 469 370 322 189 200 210 256 126 3,129 2,843 2,870 2,988 2,917 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Q4-FY25 Q1-FY26 Q2-FY26 Q3-FY26 Q4-FY26 Note: . FY25 numbers and Q3-FY26 have been regrouped 16 16 STANDALONE QUARTERLY PROGRESS (2/3) BRANCHES EMPLOYEES NEW CLIENTS ADDED (Lakhs) 1,454 1,487

Note

1. Yield in Q4-FY26 was elevated on account of MTM gains, and a subsequent expense in cost of borrowing due to effect of change in Forex rates 2. Our Forex borrowings are 100% hedged 3. Opex is elevated due to branch expansion ; 4. Q3-FY26 numbers have been regrouped 18 18 CONSOLIDATED PERFORMANCE (2/2) TOTAL INCOME (₹ CRORES) 2,241 2,579 3,161 1,381 1,551 PAT (₹ CRORES) 436 332 186 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 21 5 NII (₹ CRORES) & NIM (%) NET WORTH (₹ CRORES) NII NIM 1,849 1,530 1,340 12.8% 12.4% 13.2% 750 9.4% 934 11.2% FY22 FY23 FY24 FY25 FY26 2,401 2,543 2,868 1,582 1,628 FY22 FY23 FY24 FY25 FY26 19 CONSOLIDATED PERFORMANCE (1/2) AUM (₹ CRORES) DISBURSEMENT (₹ CRORES) 11,850 12,784 15,174 7,617 9,115 8,087 4,856 10,549 10,663 12,514 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 OPEX TO AVG AUM (%) COST TO INCOME RATIO (%) 6.3% 6.3% 6.3% 5.8% 6.6% 67.4% 56.5% 45.4% 50.7% 49.8% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Note: . FY25 and Q3-FY26 number

PQC

consulting, software, hardware A deep tech cybersecurity company focused on post quantum security Aims to drive efficiency, scalability, and customer satisfaction through the use of technology, meeting the evolving needs of businesses in the digital age Appointed a professional CEO & MD, Mr. Rupinder Kalia who has an overall experience of more than 20 years in IT and consulting. Prior to Satin, he was MD in consulting division of a big four firm in United States Within the first two months of incorporation, acquired 2 clients Acquired strategic stake in QTrino, a deep tech cybersecurity company focused on post quantum security in Jan’26 Expanded global presence with representative offices in Toronto and Dubai to serve North American and Middle Eastern markets Visit at- Satin Technologies Limited 30 QTRINO – FORAYING IN POST QUANTUM CRYPTOGRAPHY O U R M O A T | D I F F E R E N T I A T E D E N D - T O - E N D P L A T F O R M The only integrated PQC stack across the value chain CONSULTING

IIT-INCUBATED IP

Deep-tech research lineage from IIT Patna, with proprietary IP in PQC algorithms, entropy, and secure hardware

SATIN SYNERGY

Leverages Satin’s NBFC and enterprise relationships to accelerate GTM into a high-margin cybersecurity vertical