About
Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company offers microcredit to economically active women in rural, semi-urban, and urban regions; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; water and sanitation loans; loans for clean energy and various business needs; and loans to corporate institutions and micro finance companies. It also provides financing solutions for solar energy, purchase of bicycles, home appliances, and mobile phones for small businesses and individuals; micro, small, and medium enterprise loans for merchants, retailers, wholesalers, manufacturers, service providers, salaried, self-employed professionals, and agri businesses; and housing loans. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, India.
Key Metrics
as of Sep 2026Market Cap2,437 Cr
P/E5.95
Div Yield0.00 %
Book Value₹259.00
52w High₹274.00
52w Low₹136.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 301.00 | 280.00 | 310.00 | 331.00 | 310.00 | 294.00 | 367.00 | 295.00 | 210.00 | 188.00 | 168.00 | 148.00 | 133.00 |
| Other Income | 1.00 | 1.00 | 1.00 | 0.00 | 1.00 | 2.00 | 1.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 6.00 | 7.00 | 7.00 | 6.00 | 5.00 | 7.00 | 6.00 | 6.00 | 5.00 | 6.00 | 5.00 | 5.00 | 4.00 |
| Interest | 206.00 | 343.00 | 256.00 | 313.00 | 267.00 | 236.00 | 242.00 | 243.00 | 229.00 | 233.00 | 230.00 | 200.00 | 170.00 |
| Profit before tax | 158.00 | 181.00 | 91.00 | 67.00 | 55.00 | 21.00 | 17.00 | 57.00 | 138.00 | 167.00 | 145.00 | 138.00 | 115.00 |
| Tax % | 24.00 | 24.00 | 23.00 | 22.00 | 22.00 | -95.00 | -84.00 | 28.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| Net Profit | 120.00 | 137.00 | 71.00 | 52.00 | 43.00 | 41.00 | 31.00 | 42.00 | 103.00 | 125.00 | 108.00 | 103.00 | 86.00 |
| EPS in Rs | 10.89 | 12.40 | 6.40 | 4.70 | 3.86 | 3.72 | 2.84 | 3.76 | 9.29 | 11.34 | 9.81 | 10.36 | 9.71 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 1,226.00 | 1,153.00 | 631.00 | 828.00 | 582.00 | 652.00 | 596.00 | 413.00 | 303.00 | 298.00 | 178.00 | 98.00 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 |
| Interest | 1,179.00 | 950.00 | 833.00 | 576.00 | 606.00 | 618.00 | 577.00 | 643.00 | 533.00 | 435.00 | 290.00 | 177.00 |
| Depreciation | 26.00 | 24.00 | 20.00 | 16.00 | 14.00 | 13.00 | 15.00 | 11.00 | 14.00 | 6.00 | 3.00 | 2.00 |
| Profit before tax | 394.00 | 233.00 | 566.00 | 341.00 | 59.00 | -10.00 | 213.00 | 306.00 | 127.00 | 37.00 | 88.00 | 46.00 |
| Tax % | 23.00 | 7.00 | 25.00 | 22.00 | 32.00 | 39.00 | 27.00 | 36.00 | 35.00 | 34.00 | 34.00 | 32.00 |
| Net Profit | 302.00 | 217.00 | 423.00 | 264.00 | 40.00 | -14.00 | 156.00 | 195.00 | 82.00 | 24.00 | 58.00 | 32.00 |
| EPS in Rs | 27.34 | 19.60 | 38.28 | 31.02 | 5.36 | -1.88 | 21.70 | 28.79 | 12.45 | 4.71 | 13.11 | 8.86 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 110.00 | 110.00 | 110.00 | 85.00 | 75.00 | 66.00 | 52.00 | 49.00 | 47.00 | 37.00 | 32.00 | 25.00 |
| Reserves | 3,019.00 | 2,733.00 | 2,557.00 | 1,829.00 | 1,532.00 | 1,425.00 | 1,401.00 | 1,103.00 | 845.00 | 600.00 | 293.00 | 168.00 |
| Other Liabilities | 535.00 | 244.00 | 219.00 | 284.00 | 306.00 | 358.00 | 292.00 | 309.00 | 220.00 | 231.00 | 231.00 | 181.00 |
| Total Liabilities | 13,196.00 | 10,886.00 | 10,083.00 | 7,645.00 | 7,375.00 | 7,875.00 | 7,154.00 | 6,696.00 | 6,263.00 | 4,749.00 | 3,303.00 | 2,011.00 |
| Fixed Assets | 99.00 | 94.00 | 93.00 | 91.00 | 88.00 | 94.00 | 56.00 | 45.00 | 39.00 | 38.00 | 14.00 | 6.00 |
| CWIP | 7.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.00 | 34.00 | 16.00 | 16.00 | 12.00 | 7.00 | 8.00 |
| Investments | 1,187.00 | 914.00 | 827.00 | 742.00 | 336.00 | 283.00 | 513.00 | 422.00 | 149.00 | 70.00 | 0.00 | 0.00 |
| Other Assets | 11,903.00 | 9,878.00 | 9,163.00 | 6,812.00 | 6,951.00 | 7,494.00 | 6,551.00 | 6,212.00 | 6,059.00 | 4,629.00 | 3,282.00 | 1,996.00 |
| Total Assets | 13,196.00 | 10,886.00 | 10,083.00 | 7,645.00 | 7,375.00 | 7,875.00 | 7,154.00 | 6,696.00 | 6,263.00 | 4,749.00 | 3,303.00 | 2,011.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -377.00 | -258.00 | -1,784.00 | -736.00 | 465.00 | -883.00 | -17.00 | 718.00 | -1,528.00 | -953.00 | -615.00 | -443.00 |
| Cash from Investing Activity | -310.00 | -103.00 | -86.00 | -111.00 | -55.00 | 211.00 | -109.00 | -264.00 | -80.00 | -84.00 | -10.00 | -4.00 |
| Cash from Financing Activity | 1,430.00 | 645.00 | 2,013.00 | 206.00 | -567.00 | 713.00 | 151.00 | 63.00 | 1,390.00 | 1,420.00 | 701.00 | 521.00 |
| Net Cash Flow | 742.00 | 284.00 | 143.00 | -641.00 | -156.00 | 41.00 | 25.00 | 516.00 | -218.00 | 383.00 | 76.00 | 74.00 |
| Free Cash Flow | -400.00 | -275.00 | -1,794.00 | -744.00 | 461.00 | -901.00 | -48.00 | 700.00 | -1,547.00 | -988.00 | -624.00 | -447.00 |
| CFO/OP % | -22.00 | -15.00 | -123.00 | -75.00 | 74.00 | -141.00 | 7.00 | 81.00 | -226.00 | -194.00 | -153.00 | -188.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
7 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Rights | 04 Aug 2020 | 05 Aug 2020 | 48:125 | — | |
| Other | 04 Aug 2020 | 05 Aug 2020 | — | — | Right Issue of Equity Shares |
| Other | 28 Jul 2020 | — | — | — | Annual General Meeting |
| Other | 27 Jun 2019 | — | — | — | Annual General Meeting |
| Other | 28 Jun 2018 | — | — | — | Annual General Meeting |
| Other | 28 Jun 2017 | — | — | — | Annual General Meeting |
| Other | 21 Jul 2016 | — | — | — | Annual General Meeting |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update18 Aug from crisil
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Rating update18 Aug from crisil
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Rating update10 Jul from infomerics
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Rating update30 Jun from infomerics
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Rating update29 Jun from care
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Rating update26 Jun from crisil
Conference Calls
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