Satin Creditcare Network Limited has made the audio recording of its Q1 FY27 earnings conference call available to investors and analysts. The call, held on July 31, 2026, discussed the company’s unaudited financial results and future outlook for the first quarter of the fiscal year 2027. This disclosure ensures transparency regarding material financial developments, allowing stakeholders to review management’s commentary on performance metrics and strategic direction.

The audio file is hosted on the company’s official website, www.satincreditcare.com , as mandated by Regulation 30 read with Part A of Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. This update follows earlier intimations dated July 27, 2026, and July 30, 2026, which announced the schedule and dial-in details for the event. The recording provides a permanent record of the discussion led by Dr. HP Singh, Chairman cum Managing Director, and other senior management members.

Accessing the Earnings Call Recording

Investors can access the full audio recording directly via the link provided in the company’s exchange filing. The digital upload serves as an alternative to live participation, accommodating those who could not join the real-time session facilitated by JM Financial Institutional Securities Limited.

The filing was signed by Vikas Gupta, Company Secretary & Chief Compliance Officer, and submitted to both the National Stock Exchange of India Ltd. and BSE Limited on July 31, 2026. This procedural step completes the disclosure cycle for the Q1 FY27 results, ensuring all interested parties have equal access to the information presented during the conference call.

Key Participants and Context

The earnings call featured insights from Dr. HP Singh and the senior management team, addressing both standalone and consolidated financial figures. For ongoing queries related to investor relations, Ms. Aditi Singh, Chief Strategy Officer, and Ms. Shilpa Bajaj, Lead - Investor Relations, remain the primary points of contact. The availability of the recording allows for detailed analysis of management’s responses to analyst questions regarding asset quality, growth trajectories, and operational efficiency in the current fiscal period.

Satin Creditcare Network Limited has submitted copies of newspaper advertisements published on July 11, 2026, confirming the completion of dispatch for the notice of its 36th Annual General Meeting (AGM) and the Integrated Annual Report for the financial year 2025-26. The meeting is scheduled for Friday, August 7, 2026, at 11:00 AM IST through Video Conferencing (VC) and Other Audio-Visual Means (OAVM). The company has disclosed that remote e-voting will commence on Tuesday, August 4, 2026, at 9:00 AM IST and conclude on Thursday, August 6, 2026, at 5:00 PM IST. The cut-off date for determining eligible members for remote e-voting remains Friday, July 31, 2026.

Financial Performance: Standalone and Consolidated Highlights

The company delivered a strong performance in FY 2025-26. On a standalone basis, Assets Under Management (AUM) stood at INR 12,853 Crores, reflecting 14% year-on-year growth. Total income increased 20% year-on-year to INR 2,82,462.25 Lakhs, while Profit After Tax (PAT) rose 39% year-on-year to INR 30,208.07 Lakhs. Profit before tax jumped 69% to INR 39,367.69 Lakhs. The company disbursed loans of INR 11,20,239.96 Lakhs during the year, an increase of 13.9% over the previous year.

At the consolidated level, AUM reached INR 15,174 Crores, growing 19% year-on-year. Total revenue increased 23% to INR 3,161 Crores, while Pre-Provision Operating Profit (PPOP) grew 23% to INR 928 Crores. Consolidated Profit After Tax stood at INR 332 Crores, representing growth of 79% over the previous year.

Asset Quality and Capital Position

Asset quality strengthened during FY 2025-26. Standalone Gross NPA stood at 3.12% as on March 31, 2026, compared to 3.70% as on March 31, 2025. X-bucket collection efficiency stood at 99.9%, and Stage 3 coverage improved to 72.85% from 62.35% as of March 31, 2025. On-book provisions stood at INR 273 Crores, equivalent to 2.87% of the on-book portfolio, well above the RBI requirement of INR 172 Crores. The company also maintained a management overlay of INR 20.5 Crores as an added safeguard. The CRAR stood at 25.39% as on March 31, 2026, continuing the company's track record of maintaining capital adequacy well above the regulatory requirement of 15%.

Subsidiary Performance

All four wholly owned subsidiaries delivered meaningful growth during the year, reinforcing the group's diversification strategy.

Satin Finserv Limited crossed the INR 1,000 Crores AUM milestone during the year, supported by disbursements of INR 766 Crores, which grew over 120% year-on-year. Satin Technologies Limited acquired a strategic stake in QTrino Labs Private Limited, an IIT Patna-incubated deep-tech cybersecurity company specializing in post-quantum cryptography. Satin Growth Alternatives Limited received its SEBI license for a Category II Alternative Investment Fund and signed a strategic MoU with the State Bank of India for co-investment opportunities.

Funding and Operational Highlights

During FY 2025-26, the company raised INR 10,82,602.16 Lakhs through diversified sources including term loans, securitization, direct assignments, NCDs, external commercial borrowings, and commercial paper. The marginal cost of borrowing declined by 43 basis points year-on-year to 10.82%. The company added 392 new branches, expanding its presence to 1,841 branches across 30 states and union territories, serving approximately 33 Lakh clients. The company completed 19 consecutive profitable quarters by the end of FY 2025-26.

AGM Agenda and Shareholder Actions

The 36th AGM notice includes the following business items for shareholder consideration:

The Integrated Annual Report for FY 2025-26, including the AGM notice, is available on the company's website and has been sent electronically to members with registered email addresses. Members without registered email addresses will receive a physical letter containing a weblink to access the documents. The AGM notice was signed by Vikas Gupta, Company Secretary & Chief Compliance Officer, on behalf of Satin Creditcare Network Limited.

Share Capital and Dividend

As on March 31, 2026, the paid-up equity share capital of the company stood at INR 11,047.10 Lakhs comprising 11,04,70,965 equity shares of face value INR 10 each. The Board of Directors has not recommended any dividend on equity shares for FY 2025-26, considering the company's growth plans and the need to conserve resources. An amount of INR 6,041.62 Lakhs, being 20% of PAT, was transferred to Statutory Reserve pursuant to Section 45-IC of the Reserve Bank of India Act, 1934.