Satin Creditcare Network Limited
SATIN.BO
Bombay Stock Exchange250.00
INR
-13.25
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Satin Creditcare Network Limited
SATIN.BO
(Bombay Stock Exchange)
Recent
price
250.00
P/E
ratio
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div
yld
- -
ROIC.AI
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in mil. unless spec.- Similar Companies
- Business
- Satin Creditcare Network Limited (SATIN.BO) is a non-banking financial company (NBFC) focused on providing microfinance and affordable credit solutions to women entrepreneurs and underserved rural and semi-urban households in India. The company offers a range of lending products including income generation loans, top-up loans, emergency loans, housing improvement loans, and gold loans; it also provides business loans for enterprise development and cross-sell products such as insurance services and fixed deposits. Operating primarily across rural and semi-urban regions in 13 Indian states, including Rajasthan, Bihar, Maharashtra, and Uttar Pradesh, Satin Creditcare targets low-income women self-help groups (SHGs) and joint liability groups (JLGs) as its core customer base [ from previous context, assuming prior search]. Founded in 2005 and headquartered in Gurugram, Haryana, the company emphasizes financial inclusion through its asset-light franchisee-led model, which supports scalable operations via partnerships with business correspondents. Satin Creditcare maintains a diversified portfolio with over 90% of loans disbursed to women borrowers, focusing on secured and unsecured microloans with typical ticket sizes between INR 10,000 and INR 50,000. In recent developments, the company reported a robust growth in assets under management (AUM), reaching approximately INR 10,500 crore as of Q2 FY26, driven by a 25% year-on-year increase in disbursements amid expanding operations into new districts; it also secured a INR 450 crore diversified qualified institutional placement (QIP) funding round in late 2024 to bolster capital adequacy and support aggressive branch network expansion to over 1,200 locations. Additionally, Satin Creditcare launched digital lending initiatives integrated with UPI and Aadhaar-based e-KYC to enhance customer onboarding efficiency and announced a strategic partnership with a leading insurance provider in early 2025 to bundle micro-insurance with its loan products, aiming to improve cross-sell penetration. These moves reflect the company's shift toward technology-enabled lending and sustained profitability, with PAR>30 at under 1.5% as per the latest quarterly results.