Investor Presentation

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: 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 ended June 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 Trusted. Tested. Transforming. Satin Creditcare Network Ltd. EARNINGS PRESENTATION Q1-FY27 STRONGEST OPENING EVER STONGEST Q1 EVER IN LAST 8 YEARS grew by 22% YoY, stands at ₹13,312 Crores • Disbursement grew by 46% YoY, aggregating to ₹3,008 Crores • Revenue1 grew by 21% YoY, amounting to ₹734 Crores grew by 182% YoY, stands at ₹120 Crores • 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% increased by over 200 bps YoY to 3.55%, including management overlay buffer of ₹36 Crores. ROA excluding management overlay stood at 4.34% increased by over 910 bps YoY to 15.10%, including management overlay buffer of ₹36 Crores. ROE excluding management overlay stood at 18.46% • NIM1 increased by over 120 bps YoY, stood at 14.36% • Promoters will infuse ₹100 Crores Equity Share Capital at ~17% premium to minimum issue price as per SEBI Regulations – demonstrating strong promoter commitment. • Stable Leadership Team with vintage of 10+ years; Zero attrition in field leadership comprising of 200 personnel at RM, ZM, Circle Head and Business Head levels. 1. Revenue and NIM are adjusted for MTM gains and Changes due to Forex Movement for a more realistic depiction; COMPANY OVERVIEW CREATING ENDURING VALUE THROUGH DIVERSIFICATION ₹32,000 ₹25,000 Revised AUM target Crores Crores for FY2030 (Revised Target) (Earlier Target) Growth Engines Growth Validation SATIN CREDITCARE NETWORK LIMITED Satin Housing Finance Limited (WOS)* Experienced Leadership Team delivered Q1 AUM ₹1,263 Crores ; 31% YoY growth 27% AUM growth (YoY) in Q1FY27, Satin Finserv Limited (WOS) * reinforcing confidence in revising the Q1 AUM ₹1,360 Crores ; 134% YoY growth guidance upwards for FY27 Satin Technologies Limited (WOS) * Non MFI Portfolio share grew to 19%, Building enterprise technology across HRMS, Core targeting 30% by 2030 Banking, and Cybersecurity. Fee-based Income: bottom line accretive Satin Growth Alternatives Limited * (WOS) 10 Yr AUM CAGR 17% showing AIF Cat-II Fund received license from SEBI, targeting sustained growth despite headwinds first close by Q2. *WOS- Wholly Owned Subsidiary GUIDANCE FOR FY27 CONSOLIDATED AUM GROWTH TARGET 20%-25% Implies AUM of ₹18,200 - ₹18,900 Crores Backed by presence in more than 112,000 villages and ~590 districts of India and a seasoned field operations team Technology remains a great enabler to bring scale and efficiency STANDALONE CREDIT COST TARGET STANDALONE RETURN ON ASSET TARGET 3.5%-4.0% 3.0%–3.5% Meaningful improvement driven by tighter underwriting (sourcing-to-disbursement at 36%), NATCAT derisking, and a productive collections team A LEGACY OF TRUST AND RESILIENCE Leveraging Decades of Credibility for Future Value Creation TRUSTED TESTED TRANSFORMING ~34 Lakh Borrowers 35 Years of Resilience Only MFI with Multiple Growth Engines Resilience across economic cycles, Building Trust Nationwide industry transitions & market shifts Ecosystem: Calibrated Growth, Prudent Lending Practices and Effective Risk Controls • Microfinance MSME lending 17% AUM CAGR OVER A DECADE; EMERGING STRONGER THROUGH EVERY CYCLE • Housing Finance MFI Industry Stress • Equipment Financing AUM (INR Cr) • Green Financing Covid • Supply Chain Financing { • Tech Solutions Demonetization 37%+ 3,271 4,067 5,757 7,068 8,174 8,379 7,617 9,115 11,850 12,784 15,174 Borrowers with vintage > 3 years in Q1 FY27 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 SATIN VS OVERALL MFI INDUSTRY : CONSISTENTLY AHEAD AUM GROWTH (FY26 YoY) Industry Portfolio Share (FY26 YoY) KEY INDUSTRY TAKEAWAYS SATIN INDUSTRY 39% Market Share Momentum GAINING NBFC-MFIs +14% −13% SHARE NBFC-MFIs gained market share 26% While banks lost (~480bps) as banks' share fell (~600 share, MFIs bps), creating a favorable industry mix Industry AUM fell to ₹3,31,000 Crores expanded for Satin. (Mar’26) after 8 straight quarters of Banks’ Share meaningfully decline; Satin grew through the cycle Mar’25 Mar’26 Stronger Guardrails, Better Mix 95% of industry exposure is now to ACTIVE BORROWERS (FY26 YoY) Q4 FY26 DISBURSEMENT GROWTH (QoQ) borrowers with ≤3 active lenders. SATIN INDUSTRY SATIN INDUSTRY ~Stable +32% +26% −23% Satin ahead of the curve Ahead of MFIN Guardrails 2.0, we adopted a conservative onboarding Industry active loan count declined as Both Satin and the Industry saw a strategy, bringing the proportion of lenders tightened guardrails strong Q4 rebound in originations, with clients linked to 3+ lenders down from Satin growing faster than the market ~5.2% at implementation to zero Source: SRO Reports LEADING ACROSS METRICS THROUGH RELENTLESS EXECUTION 3 YEARS AUM CAGR NIM FY26 GNPA FY26 13.6% 3.4% 7.7% 12.3% 3.1% SCNL Peers Average SCNL Peers Average SCNL Peers Average CREDIT COST FY26 ROA FY26 ROE FY26 2.5% 6.4% 10.1% 1.8% 3.8% 7.4% SCNL Peers Average SCNL Peers Average SCNL Peers Average Numbers based on publicly available data Satin's outperformance across metrics is driven by prudent underwriting, robust collections, deep customer understanding, and disciplined risk management – a foundation built to sustain performance going forward. AHEAD OF THE CURVE A proactive, multi-pronged strategy that keeps slippages low and credit cost among the best in the industry 02 03 Strict Underwriting Product Diversification Geographical Insulation Guardrails which brings scale Hard Cap - No Lending To Negligible Exposure To Secured Arms SHFL & SFL Each Borrowers With 3 Active Stressed States - TN 2.0%, Crossed ₹1,000 Crores In AUM Lenders Or ₹2L Exposure Karnataka 1.0% Strict Filter, High Discipline: Deep-rooted Core Markets Steady Pivot From Unsecured MFI 36% Sourcing To UP 22.5%, Assam 13.1% & Toward Secured Housing & MSME Disbursement Ratio Bihar 11.2% Lending Financial Strength and Operational Resilience Strong capital access Demonstrated earnings Enhanced portfolio protection Dedicated to Environment, demonstrated through 16 resilience with 20 with NatCat insurance, Social and Governance successful fund raises since consecutive profitable covering ~15.5 lakh Debut score of 59 in S&P inception, with promoter quarters despite industry customers; ~63% of book CSA. participation in 14 rounds. challenges. covered A DECADE OF TECH LED TRANSFORMATION • Minimal Viable Product - • Started With RFP Development Process To Identify A Completed In Record 6 • Customer Service • Payroll Solution Suitable Product. Months Time • Insurance And Health Application • Expense & Vendor Conducted • Launched Our Product • Cashless Product Integration • Omni-channel For Management Amongst Tier Across 650+ Branches Disbursement • ERP Implementation Cashless Collection Solution 1/2/3 Products 45+ Regional Offices, • ISO – 27001:2013 Satin Finserv Ltd • UPI – 2.0 Mandate • O-KYC (UIDAI OTP • Buy Vs Build 7000+ Tabs For Field Based Collection Based) Strategy Force In Record 75 Days. 2016 2017 2018 2019 2020 2021 2026 2025 2024 2023 2022 FY27 • Asset Management • Early Warning • Travel Portal [Showing first 8,000 characters — download PDF for full document]