Investor Presentation

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: Investor Presentation Dear Sir/Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in terms of other applicable laws, if any, please find enclosed copy of Investor Presentation on Un-audited Financial Results (Standalone and Consolidated) for the quarter and half year ended September 30, 2026. Copy of Investor Presentation is also made available on the website of the Company 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 DREAM BIG. DELIVER BIGGER. EARNINGS PRESENTATION Q2 & H1FY27 Raising the Bar: H1FY27 PAT of ₹292 Crores, Closing in on FY26 Full-Year Profit of ₹302 Crores in Just Six Months H1FY27 Standalone: AUM stands at ₹13,608 Crores, 23% growth YoY ; Disbursement ₹6,109 Crores, 36% growth YoY. 01 • GXrXowth Consolidated: AUM stands at ₹16,589 Crores, 31% growth YoY; Disbursement ₹7,192 Crores, 48% growth YoY. Standalone: - GNPA (PAR 90) stood at 1.9% at ₹197 Crores. - X Bucket Collection Efficiency 99.8%. 02 Asset Quality - Credit Cost 2.8%, reduced by 202 bps YoY. - Credit Cost excluding Management Overlay (₹50 Crores) stood at 2.0% Standalone: - PAT ₹292 Crores, 209% growth YoY. - ROA stood at 4.3%, up 262 bps YoY. ROE stood at 17.8%, up 1,122bps YoY. Profitability 03 - ROA and ROE excluding Management Overlay stood at 4.8% & 20.1% resp. Consolidated:- PAT ₹299 Crores, 204% growth YoY. - ROA stood at 3.9%, up 233 bps YoY. ROE stood at 19.8%, up 1,214 bps YoY. - ROA and ROE excluding Management Overlay stood at 4.4% & 22.2% resp. Standalone: - Raised ~₹5,630 Crores in H1FY27 via diversified debt instruments. 04 Funding - ~₹4,600 Crores of undrawn sanctions in hand; Liquidity as on 30th September stood at ₹2,235 Crores. 05 Milestones SGAL achieved first close in 4.5 months, made its first investment. Q2FY27: Delivering Highest Profitability, Marking 21 Profitable Quarters in a row despite Industry Headwinds Q2FY27 Standalone: Disbursement ₹3,101 Crores, 28% growth YoY. 01 • DXiXsbursement Growth Consolidated: Disbursement ₹3,697 Crores, 41% growth YoY. 02 Credit Cost Standalone: - Credit Cost 2.47%, reduced by 236 bps YoY. - Credit Cost excluding Management Overlay (₹50 Crores) stood at 0.99% Standalone: - PAT ₹172 Crores, 231% growth YoY; - ROA stood at 4.9%, up 314 bps YoY, ROE stood at 20.6%, up 1,339bps YoY. - ROA and ROE excluding Management Overlay stood at 6.0% and 25.0% respectively. Profitability Consolidated:- PAT ₹176 Crores, 231% growth YoY; - ROA stood at 4.5%, up 282 bps YoY. ROE stood at 22.8%, up 1,462bps YoY. - ROA and ROE excluding Management Overlay stood at 5.5% & 27.7% Standalone: - Raised ~₹2,630 Crores in this quarter via diversified debt instruments. 04 Funding - Marginal borrowing cost reduced by 65bps YoY to 10.28% in Q2FY27. 05 Updates Promoters committed ₹100 Crores by warrants, first tranche of ₹25 Crores already received by the company. A Legacy of Trust and Resilience Leveraging Decades of Credibility for Future Value Creation TRUSTED TESTED TRANSFORMING ~34 Lakh Borrowers 36 Years of Resilience Resilience across economic cycles, Only MFI with Multiple Building Trust Nationwide industry transitions & market shifts Growth Engines 17% AUM CAGR over a decade; 60% higher CAGR than Industry (11%) Ecosystem: with Sustainable Profits • Microfinance • MSME lending MFI Industry Stress CONSOLIDATED AUM (₹ Crores) • Housing Finance • Equipment Financing Covid • Green Financing Demonetization • Supply Chain Financing • Technology • Deep Tech Cybersecurity • Category II AIF 3,271 4,067 5,757 7,068 8,174 8,379 7,617 9,115 11,850 12,784 15,174 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 COMPANY OVERVIEW Satin Creditcare: Evolving into Future-Ready Diversified Business Group AUM AND TOTAL REVENUE* (₹ Crores) Q2FY27 AUM MIX AUM +99% | Rev +114% (On a consolidated basis) AUM Total Revenue Non-MFI 15,174 12,784 11,850 9,115 7,617 Why the franchise holds • Among India’s leading NBFC-MFIs – Fourth largest by AUM and customer base, with a pan-India presence. • Founded in 1990; listed on regional exchanges in 1996; listed on NSE 2,948 and BSE since 2015. 2,488 2,223 1,376 1,542 • Present in 32 states and UTs, ~1,14,000 villages. • Technology-led, rural-focused model differentiated by underwriting, distribution reach and diversified offerings. FY22 FY23 FY24 FY25 FY26 • Has a proprietary in-house ERP operational since FY17. *Revenue numbers are adjusted for MTM gains and changes due to forex movement for a more realistic depiction. • Revenue growth outpacing AUM growth. • Housing and MSME driving diversification beyond the 80% MFI portfolio. Diversified Business Group with Multiple Growth Engines Beyond Microfinance SATIN CREDITCARE NETWORK LIMITED AUM ₹13,608 Crores | 1876 branches | Net worth ₹3,437 Crores Satin Housing Finance Ltd Satin Finserv Ltd Satin Technologies Ltd Satin Growth Alternatives (WOS) (WOS) (WOS) Ltd. (WOS) Since Feb'18 Since Mar'19 Since Aug'24 Since Aug'25 Loans to own, purchase, Sustainable and MSME loans, HRMS and Loan Management SEBI Category II AIF for construct, extend or repair Equipment Financing, Green platform; acquired a majority inclusion, sustainability and houses Financing, Supply Chain stake in QTrino, a deep tech impact; achieved its first close Financing cybersecurity company stake AUM ₹1,219 Crores | 59 AUM ₹1,761 Crores | 140 Net Worth ₹20 Crores Scheme I ₹200 Crores | First branches | Net Worth ₹370 branches | Net Worth ₹460 Close Completed| Completed Crores Crores First Investment WOS – Wholly Owned Subsidiary 7 Growing With Discipline: Satin’s FY27 Guidance vs Achievement Achievement till 30th Metrics FY27 Guidance Read-through Sept, 2026 Consolidated AUM Growth 20–25% 19%* (Annualised) Approaching Standalone Credit Cost 3.0–3.5% 2.8% Ahead Standalone ROA 3.5–4.0% 4.3% Ahead Consolidated AUM targeted to reach ₹32,000 Crores by FY-2030 : 52% of the Target Achieved *H2 has seasonally higher growth Backed by Discipline and Consistency Fund Raises NatCat Coverage Seasoned Management Team Strict Underwriting Guardrails • 16 Fund raises since inception, ~19.4 lakh customers; ~78% • Stable Leadership Team with 10+ • 34% sourcing to disbursement with active promoter participation of book covered years vintage; rate • Promoters committed ₹100 Crores • Nil Attrition in Field Leadership • Moved to Grameen Score by warrants, first tranche of ₹25 comprising of 200 personnel at • Pin Code based Assessment Crores already received by the RM, ZM, Circle Head and Business company. Head levels. Technology That Strengthens Every Loan An integrated digital journey designed for speed, control and scalable growth. ENABLING LAYER AI + Machine Learning + Data Science ACROSS THE LOAN LIFECYCLE Acquire Underwrite Disburse Collect & monitor 01 02 03 04 CUSTOMER ONBOARDING ASSESSMENT & APPROVAL DIGITAL EXECUTION PAYMENTS & VISIBILITY 100% Village surveys, Geotagging Automated bureau checks & QR, UPI, BBPS & Intent SMS & real-time customer mapping rule-based credit assessment Cashless disbursement Partner-assisted cash collection Digital OGM* & group AI-driven customer profiling formation e-KYC: Iris, Facial Recognition Early-Warning Signals Digital documentation Real-time updates & reduced and OTP cash-handling risk Instant approval workflows BUSINESS VALUE Faster Improved Cost Efficiency Higher Collection Scalable Turnaround Portfolio Quality Paperless, centralized Efficiency Operating Model Digital onboarding, instant Automated checks, fraud workflows Superior tracking and Technology-led expansion checks control co [Showing first 8,000 characters — download PDF for full document]