Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Earnings Call Transcript

Satin Creditcare reported strong FY26 results with consolidated AUM crossing INR15,174 crores (19% YoY), revenue of INR3,161 crores (23% growth), and PAT of INR330 crores (79% YoY). Q4 was exceptional with PAT growing 640% YoY. Stand-alone AUM stood at INR12,853 crores with PAT growth of 39% for the full year. Key ratios improved: ROA reached 2.6% (Q4 at 4.71%), ROE at 12.3% (Q4 at 23.31%), and NIM at 13.2%. Asset quality remains strong with stand-alone GNPA at 3.1% and X bucket collection efficiency at 99.9%. Credit cost improved to 3.8% from 4.6% in FY25. Subsidiaries Satin Housing Finance and Satin Finserv each crossed INR1,000 crores AUM, contributing to diversification. The company raised FY27 guidance for standalone AUM growth of 15%-20% and credit cost of 3%-3.5%.