Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release

July 30, 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 ended June 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 Reports Consolidated PAT of ₹ 123 Crores in Q1 FY27, 172% up YoY 20th profitable quarter in a row 30th July 2026, New Delhi Satin Creditcare Network Limited (SCNL) (NSE: SATIN, BSE: 539404) has announced its financial results for the first quarter ended 30th June 2026. Consolidated Highlights Particulars (₹Crores) Q1FY27 Q1FY26 %Change Q4FY26 %Change Assets under Management (AUM) 15,935 12,499 27.5% 15,174 5.0% Disbursement 3,495 2,242 55.9% 4,420 -20.9% Total Revenue 827 680 21.7% 830 -0.3% Pre-Provision Operating Profit 267 201 33.0% 290 -7.9% (PPOP) Profit After Tax (PAT) 123 45 172.0% 162 -24.3% ROA* 4.0% 1.7% +232bps 5.2% -114bps ROE* 20.4% 8.0% +1242bps 25.5% -512bps *ROA and ROE exclude management overlay of ₹36 Crores created as an extra buffer Footprints and Outreach Particulars Q1FY27 Q1FY26 States & UTs 32 29 Branches 2,041 1,599 No. of Employees 18,518 16,454 No. of Loan Officers 12,511 11,239 No. of Clients (Lakhs) 34.0 32.9 Standalone Highlights Particulars (₹Crores) Q1FY27 Q1FY26 %Change Q4FY26 %Change Assets under Management (AUM) 13,312 10,956 21.5% 12,853 3.6% Disbursement 3,008 2,065 45.6% 3,820 -21.3% Total Revenue 734 609 20.5% 720 2.0% Particulars (₹Crores) Q1FY27 Q1FY26 %Change Q4FY26 %Change Pre-Provision Operating Profit 258 189 36.4% 256 0.7% (PPOP) Profit After Tax (PAT) 120 43 182.3% 137 -12.2% ROA* 4.3% 1.7% +261bps 4.8% -46bps ROE* 18.5% 6.8% +1163bps 19.9% -148bps *ROA and ROE exclude management overlay of ₹36 Crores created as an extra buffer Highlights for Q1FY27 • PAR 1 improved to 3.0% in Q1 FY27 from 3.7% in Q4 FY26 on a standalone basis, reflecting strengthening asset quality. • Collection efficiency for the X bucket remained strong at 99.9% during Q1 FY27, underscoring disciplined credit execution. • Credit cost reduced by over 177 bps to 3.06%, including management overlay buffer of ₹36 Crores, (in line with the guidance provided for FY27: 3-3.5%). Credit Cost excluding management overlay stood at 1.97%. • Marginal Cost of Borrowing reduced by 37 bps YoY to 10.52% (excluding sub-debt) • The Company continues to benefit from a stable and experienced management team, with the core leadership having an average tenure of over 10 years. • Promoters will infuse ₹100 Crores Equity Share Capital at ~17% premium to minimum issue price as per SEBI Regulations – demonstrating strong promoter commitment. • Strategic Entry into Kerala in June 2026 – strengthening South India presence across Tamil Nadu, Karnataka, Andhra Pradesh & Telangana • 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 26.74% as on 30th June’26 • Book Value per share at ₹270 on a consolidated basis • The Company continues to maintain a healthy balance sheet liquidity of ₹2,311 Crores and undrawn sanctions amounting to ₹2593 Crores as on 30th June 2026 Borrowing Profile (standalone) • Total on-book borrowings stood at ₹10,216 Crores as of 30th June’26 • Debt-to-equity ratio as on 30th June’26 stood at 3.15x, reflecting a balanced capital structure. • The borrowing mix remains well diversified, with 70% sourced from banks, followed by overseas funds at 13%, Development Financial Institutions (DFIs) at 11%, and NBFCs at 6%. • The Company has a diversified and large lender base of 77 active lenders including 4 lenders added in Q1FY27. Asset Quality • On-book Gross Non-Performing Assets (GNPA) stood at 2.18% (₹219 Crores), reduced from 3.74% in June’25 reflecting improved delinquency control and strong risk management practices. • Sufficient on-book provisions of ₹252 Crores as on 30th June’26, which is 2.51% of on-book portfolio. Provision required as per RBI is ₹152 Crores • The Company maintained a ₹36 crore management overlay as an additional buffer against potential future credit stress. • Stage 3 coverage ratio is 84.66% as on 30th June’26 vs 72.85% as on 31st March’26 • Overall Provision Coverage Ratio is healthy at 115.07% • Recovery against write-offs ₹8 Crores during Q1FY27 Subsidiaries Satin Housing Finance Limited., our housing finance subsidiary • The Company witnessed a YoY AUM growth of 31.40%, with total AUM reaching ₹1,263 Crores, with a customer base of 12,412. • The Company is supported by a diversified lender base, comprising 34 active lenders, including refinance from the National Housing Bank (NHB) • Capital adequacy remained strong, with a CRAR of 59.79% and a gearing ratio of 1.79x • Profit After Tax (PAT) for Q1FY27 stood at ₹1.5 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 of ₹1,360 Crores as of Q1FY27 • Recorded an impressive 133.67% year-on-year growth, driven by robust disbursements across the MSME and green finance segments. • Expanded green finance portfolio with disbursement of 50 loans amounting to ₹294 Crores. • CRAR of 27.08% and gearing of 3.21x • PAT for Q1 FY27 stood at ₹4.9 Crores. • Credit Rating A- (Stable) from ICRA Satin Technologies Limited., our technology and digital transformation arm • Continued to expand its enterprise technology portfolio across HRMS, Core Banking, Loan Management Systems (LMS), Loan Origination Systems (LOS), and quantum-safe cybersecurity solutions, leveraging in-house technology capabilities • The Core Banking Solution completed development and entered customer UAT, with commercial go-live targeted for September 2026, while portfolio expansion into LMS and LOS for NBFCs is underway. • QTrino Labs achieved its first customer delivery milestone, completed Assessment Tool v1, and continued to advance strategic partnerships, with FIPS certification in progress. • The next-generation HRMS platform remained live in production, supporting mission-critical workflows, expanding its customer base and partner network, with increasing commercial traction. • Strengthened execution capabilities through senior leadership additions and continued investments to accelerate the commercialization and scaling of its technology businesses. Satin Growth Alternatives Limited (SGAL), our alternative asset management platform • SGAL has launched its first SEBI-approved Category II AIF - Scheme 1- with a target corpus of ₹200 Crores. • Fund is led by an All-Women Board and investment team, reinforcing SCNL’s commitment to gender-intentional leadership. • Fund is aimed at providing vital quasi debt/equity capital to underfunded startups, businesses, MSMEs, especially in rural and semi-urban India. • SGAL has signed an MoU with the State Bank of India (SBI) to Co-invest in startups and strengthen funding along with broader ecosystem support. • Fund will leverage SCNL’s Pan India reach, Investment decision combines deep-dive, on-ground audits of remote facilities by RMs, top-line growth support for founders, enabling sales penetration in the most distant markets. • Overall Strategic Impact: Mark Satin’s transition fr [Showing first 8,000 characters — download PDF for full document]