Announcement under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release

October 28, 2026 The Manager, The Manager, National Stock Exchange of India Ltd. BSE Limited Exchange Plaza, C-1, Block G, 25th Floor, P. J. Towers, Bandra Kurla Complex, Dalal Street, Bandra East, Mumbai-400051 Mumbai – 400001 Symbol: SATIN Scrip Code: 539404 Sub: Press Release Dear Sir/Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended and in terms of other applicable laws, if any, please find enclosed Press Release on Un-audited Financial Results (Standalone and Consolidated) for the quarter and half year ended September 30, 2026. The above is being made available on the Company’s website i.e. www.satincreditcare.com. This is for your information and record. Thanking You. Yours faithfully, For Satin Creditcare Network Limited Vikas Gupta Company Secretary & Chief Compliance Officer Encl: A/a Satin Creditcare Network Limited reports Consolidated PAT of ₹299 Crores in H1FY27, closing in on FY26 full year profit of ₹332 crore in just six months, with Q2FY27 delivering highest ever profitability. 28th October 2026, New Delhi Satin Creditcare Network Limited (SCNL) (NSE: SATIN, BSE: 539404) has announced its financial results for the Half Year/Quarter ended 30th September 2026. Consolidated Highlights Particulars (₹Crores) H1FY27 H1FY26 %Change Q2FY27 Q2FY26 %Change Assets under Management 16,589 12,687 31% 16,589 12,687 31% (AUM) Disbursement 7,192 4,868 48% 3,697 2,626 41% Total Revenue 1,760 1,391 27% 933 711 31% Pre-Provision Operating Profit 592 413 43% 324 212 53% (PPOP) Profit After Tax (PAT) 299 98 204% 176 53 231% ROA* 4.4% 1.8% +267bps 5.5% 2.0% +347bps ROE* 22.2% 8.4% +1,386bps 27.7% 9.7% +1,797bps *ROA and ROE exclude Management Overlay of ₹50 Crores created as an extra buffer Footprints and Outreach Particulars H1FY27 H1FY26 States & UTs 32 31 Branches 2,075 1,713 No. of Employees 18,978 16,974 No. of Loan Officers 12,796 11,258 No. of Clients (Lakhs) 34.1 33.3 Standalone Highlights Particulars (₹Crores) H1FY27 H1FY26 %Change Q2FY27 Q2FY26 %Change Assets under Management 13,608 11,044 23% 13,608 11,044 23% (AUM) Disbursement 6,109 4,487 36% 3,101 2,421 28% Total Revenue 1,550 1,246 24% 816 637 28% Pre-Provision Operating 570 389 46% 311 200 56% Profit (PPOP) Particulars (₹Crores) H1FY27 H1FY26 %Change Q2FY27 Q2FY26 %Change Profit After Tax (PAT) 292 94 209% 172 52 231% ROA* 4.8% 1.8% +300bps 6.0% 2.1% +388bps ROE* 20.1% 7.3% +1280bps 25.0% 8.5% +1652bps *ROA and ROE exclude management overlay of ₹50 Crores created as an extra buffer Highlights for Q2FY27 • On-book Gross Non-Performing Assets (GNPA) stood at 1.94% (₹197 Crores), reduced from 2.18% in June’26 reflecting improved delinquency control and strong risk management practices. • PAR 1 improved to 2.92% in Q2FY27 from 5.79% in Q2FY26 on a standalone basis, reflecting strengthening asset quality. • Collection efficiency for the X bucket remained strong at 99.8% during Q2FY27, underscoring disciplined credit execution. • Credit Cost 2.47%, reduced by 236 bps YoY. excluding Management Overlay (₹50 Crores) stood at 0.99%. • Raised ~₹2,630 Crores in this quarter via diversified debt instruments. • Marginal borrowing cost reduced by 65bps YoY to 10.28% in Q2FY27. • Promoters committed ₹100 Crores by warrants, first tranche of ₹25 Crores already received by the Company. • Stable Management Team with vintage of 10+ years; Zero attrition in field leadership comprising of 200 personnel at RM, ZM, Circle Head and Business Head levels. Capital Adequacy and Liquidity • Our capital base is strong with a Capital Adequacy Ratio of 27.89% as on 30th Sep’26. • Book Value per share at ₹287.21 on a consolidated basis. • The Company continues to maintain a healthy balance sheet liquidity of ₹2,235 Crores and undrawn sanctions amounting to ~₹4600 Crores as on 30th Sep 2026. Borrowing Profile (standalone) • Total on-book borrowings stood at ₹10,033 Crores as of 30th Sep’26. • Debt-to-equity ratio as on 30th Sep’26 stood at 2.92x, reflecting a balanced capital structure. • The borrowing mix remains well diversified, with 73% sourced from Banks, followed by Overseas funds at 12%, Development Financial Institutions (DFIs) at 10% and NBFCs at 6%. • The Company has a diversified and large lender base of 69 active lenders. Asset Quality • Sufficient on-book provisions of ₹263 Crores as on 30th Sep’26, which is 2.6% of on-book portfolio. Provision required as per RBI is ₹152 Crores. • The Company maintained a ₹50 Crores management overlay as an additional buffer against potential future credit stress. • Stage 3 coverage ratio is 91% as on 30th Sep’26 vs 85% as on 30th Jun’26. ECL as on 30th Sep’26 is ₹181 Crores. • Recovery against write-offs ₹16 Crores during H1FY27. Subsidiaries Satin Housing Finance Limited., our Housing Finance subsidiary • The Company witnessed a YoY AUM growth of 19.25%, with total AUM reaching ₹1,219 Crores, with a customer base of 12,770. • The Company is supported by a diversified lender base, comprising 33 active lenders, including refinance from the National Housing Bank (NHB). • Capital adequacy remained strong, with a CRAR of 57.67% and a gearing ratio of 1.70x. • Profit After Tax (PAT) for Q2FY27 stood at ₹1.6 Crores. • The Company holds a credit rating of A- (Stable) from ICRA and Infomerics, indicating a stable credit profile. Satin Finserv Limited., our MSME-focused lending platform • AUM stands at ₹1,761 Crores as of Q2FY27. • Recorded an impressive 183.66% year-on-year growth, driven by robust disbursements across the MSME and green finance segments. • Expanded green finance portfolio with disbursement of 100 loans amounting to ₹604 Crores. • CRAR of 26.94% and gearing of 3.11x. • PAT for Q2FY27 stood at ₹5.1 Crores. • Credit Rating A- (Stable) from ICRA. Satin Technologies Limited., our technology and digital transformation arm • Satin Technologies advanced its technology-led growth strategy across SaaS, HR tech and fintech during the quarter. • Arcrix SaaS was launched ahead of schedule, while Satin HR moved into commercialization with paying customers under implementation. • Development of next-generation HR solutions for blue-collar industries commenced, with capabilities in workforce planning, contract labour and predictive analytics. • The core banking platform was completed, with the first customer going live; LMS and LOS solutions for NBFCs were also developed. • QTrino Labs progressed customer migration to Arcrix, finalised HSM architecture and continued integrating AI across products to improve scalability and efficiency. Satin Growth Alternatives Limited (SGAL), our alternative asset management platform • The Fund achieved its First Close within a record time of 4.5 months of getting its license. • Following the evaluation of approximately 100 investment opportunities and two Investment Committee meetings, the Fund completed its first investment. • Mr. Siddharth Dua, Senior Partner at Dua Associates has been appointed as an Advisor to the Fund and as an Observer to the Investment Committee, further strengthening the Fund’s governance and investment oversight framework. • The Fund has completed its quarterly reporting to SEBI and fulfilled other applicable regulatory and compliance requirements. Commenting on SCNL’s financial performance for the Half year /Quarter ended September 2026, Dr. HP Singh, Chairman cum Managing Director of Satin Creditcare Network Limited, said, “H1FY27 marks a defining chapter in Satin’s growth journey. With a PAT of ₹299 crore in just six months, we are closing on our FY26 full-year profit, while delivering our 21st consecutive profitable quarter. This milestone reflects the strength of our core business, the resilience of our operating model and our continued progress towards building a stronger, diversified institution. At SCNL, we believe that sustainable growth is built on discipline, resilience and the ability to look beyond the immediate quarter. In line [Showing first 8,000 characters — download PDF for full document]