Satin Creditcare Network Limited has uploaded the audio recording of its Q4 and 12M FY26 Investors/Analysts Earnings Conference Call held on Tuesday, May 12, 2026. The recording is now available on the company's official website. The call, which took place at 10:30 AM IST, covered the audited financial results for the period and the company's future outlook.

During the session, the management revealed a significant upward revision to its long-term growth ambitions. The company raised its 2030 Asset Under Management (AUM) goal by 28% to ₹32,000 crore. A key pillar of this plan targets 30% of the portfolio in non-microfinance business, signalling a deliberate shift beyond its core microfinance operations.

Concall Highlights & Strategic Targets

The earnings call was represented by Dr. HP Singh, Chairman cum Managing Director, along with the Senior Management Team. The key details of the earnings call and strategic targets are summarised below:

The intimation regarding the audio recording was filed on May 12, 2026, and signed by Vikas Gupta, Company Secretary & Chief Compliance Officer. Participants can access the recording directly via the link provided on the company's website.

Satin Creditcare Network Limited has raised INR 200 crore in subordinated Tier II capital for a tenure of 7 years, reinforcing its capital base to support sustained growth momentum across its businesses. The announcement was made on May 7, 2026, pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

In a period marked by sector-wide moderation, the company has continued to deliver steady growth and improved operating performance, with its subsidiaries also gaining strong traction. The long-tenor subordinated structure enhances capital adequacy and provides a prudent buffer for expansion, enabling the company to deploy growth capital efficiently across its core and emerging platforms.

Strategic Capital Management

At a strategic level, the transaction reflects a calibrated approach to capital management—aligning long-term funding with growth requirements while maintaining flexibility in capital planning. It allows the company to support near-term scale without compromising optionality around future capital actions, ensuring alignment with value creation objectives.

Deployment of Proceeds

The proceeds will be directed towards expanding high-impact lending segments, including Income Generating Loans (IGL) and Water, Sanitation and Hygiene (WASH) financing, alongside supporting the growth of its subsidiaries. This further strengthens the company's position as a diversified, impact-led financial services platform.

Key Financial Details

The following table summarises the key parameters of the capital raise:

Commenting on the development, Dr. HP Singh, Chairman cum Managing Director, Satin Creditcare Network Limited, said: "This raise reflects the strength of our operating performance and the confidence our partners have in our long-term strategy. We have remained focused on disciplined growth despite sector conditions, and this capital provides the right foundation to accelerate from here. Our approach to capital remains measured and aligned with long-term value creation, ensuring we scale efficiently while retaining flexibility for future opportunities."

About Satin Creditcare Network Limited

Satin Creditcare Network Limited is a leading microfinance institution (MFI) in the country with presence in 27 states, 5 union territories and over 1,00,000 villages. The company's mission is to be a leading micro financial institution by providing a comprehensive range of products and services for the financially under-served community. The group also offers financial products in the Non-MFI segment, comprising loans to MSMEs and affordable housing loans. As on 31st March 2026, Satin Creditcare had 2,015 branches and a headcount of 16,212, serving 33.7 lakh clients at a consolidated level.

Subsidiary Overview

The following table outlines the company's key subsidiaries and their focus areas: