Satin Creditcare has reported a consolidated profit after tax of Rs 217 crore for the financial year, showcasing its resilience in a volatile microfinance sector.
The company recorded a seven per cent year-on-year growth in assets under management (AUM), which reached Rs 12,784 crore, while disbursements marginally increased to Rs 10,663 crore.
Satin’s strong operational performance was marked by its 15th consecutive profitable quarter in Q4 FY25, with a standalone profit of Rs 41 crore. The company continued to demonstrate operational efficiency despite industry challenges, maintaining a 99.8 per cent collection efficiency in March and keeping credit cost within the guided range at 4.6 per cent.
Gross non-performing assets on the books stood at 3.7 per cent, amounting to Rs 323 crore, supported by provisioning of Rs 288 crore, double the regulatory requirement. The capital adequacy ratio was a healthy 25.9 per cent, and book value per share stood at Rs 230. Total borrowings reached Rs 7,887 crore with a diversified lender base of 79 institutions.
The microfinance institution expanded its reach to 29 states and union territories, operating 1,568 branches and serving 33.6 lakh clients. Employee strength rose to 16,705, with 11,509 designated as loan officers.
Satin Housing Finance, the group’s affordable housing subsidiary, reported a 22 per cent increase in AUM to Rs 920 crore and maintained a gross NPA of 2.8 per cent.
The MSME lending arm, Satin Finserv Ltd., grew its AUM by 58 per cent year-on-year to Rs 548 crore, while Satin Technologies Ltd., the recently formed technology arm, acquired its first two clients within two months of inception.
Satin also made strides in sustainability, receiving a high ‘SQS2’ score from Moody’s for its Social Financing Framework and successfully raising USD 100 million through an external commercial borrowing route.
Dr. HP Singh, Chairman and Managing Director, Satin Creditcare, commented, “FY25 was marked by resilience, recalibration, and responsible growth. Despite a volatile operating environment, we remained steadfast, delivering consistent results and continuing our future-ready approach. Our ability to exceed previous disbursement levels amid these challenges is a testament to our structural strength and disciplined execution.”
Looking ahead, the company remains focused on long-term value creation and strengthening its strategic pillars across business verticals, digital innovation, and financial inclusion.
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