Satin Creditcare Network Limited Q4 & FY26 Update: AUM Crosses ₹15,000 Crore Milestone

Satin Creditcare Network Limited (NSE: SATIN; BSE: 539404), a leading microfinance institution, has released its provisional business update for the fourth quarter and the full financial year ended March 31, 2026. The company demonstrated strong growth across its loan portfolio and operational footprint while successfully improving its credit costs.

Financial Performance: Record AUM and Disbursements

Satin reported double-digit growth in its Assets Under Management (AUM), driven by aggressive lending and improved operational efficiency.

Consolidated AUM: Reached ₹15,275 crore, marking a 19% Year-on-Year (YoY) growth and a 14% sequential (QoQ) increase.

Standalone AUM: Stood at ₹12,933 crore, up 14% YoY.

Disbursements: On a consolidated basis, disbursements for FY26 grew by 17% to reach ₹12,516 crore. The final quarter (Q4 FY26) saw a massive 43% YoY surge in disbursements, totaling ₹4,422 crore.

Operational Highlights & Asset Quality

The company significantly expanded its reach and improved its collection efficiency during the year.

Borrower Base: Added 7,39,501 new borrowers during FY26, with nearly 2.5 lakh additions in the final quarter alone.

Branch Network: Expanded to 2,015 branches at the consolidated level (1,841 standalone), following the addition of 392 new branches during the fiscal year.

Collection Efficiency: Maintained near-perfect health in current accounts, with X-Bucket collection efficiency at ~99.9% for March 2026.

Credit Costs: Improved significantly, landing in the range of 3.8%-4.0% for FY26, compared to 4.6% in the previous year.

Resource Mobilization & Sustainability

Funding: Successfully raised approximately ₹10,830 crore through various debt instruments, highlighting strong institutional trust.

Cost of Debt: The marginal cost of borrowing saw a healthy reduction of 49 bps YoY.

ESG: Achieved a debut score of 59 in the S&P Global Corporate Sustainability Assessment, reflecting the company's commitment to ESG standards.

The figures provided are provisional and unaudited, pending final review by the company's statutory auditors.

Shares of Satin Creditcare Network Limited was last trading in BSE at Rs. 156.70 as compared to the previous close of Rs. 146.40. The total number of shares traded during the day was 14423 in over 215 trades.

The stock hit an intraday high of Rs. 156.90 and intraday low of 149.10. The net turnover during the day was Rs. 2209657.00.

Source : Equity Bulls

Keywords

SatinCreditcareNetwork INE836B01017 NBFC BusinessUpdate Q4FY26 FY2026