Satin Creditcare Network Limited's wholly owned subsidiary, Satin Finserv Limited (SFL), has announced a transformational FY26 performance, achieving significant milestones in growth, scale expansion, and capital strengthening. The company crossed the Rs. 1,000+ crores Assets Under Management (AUM) threshold, marking a pivotal moment in its journey to build a sustainable, customer-centric financial services franchise.

Key Performance Highlights

SFL's FY26 performance demonstrates strong operational momentum across multiple parameters:

The substantial disbursement growth of approximately 120% year-on-year was primarily driven by the newly introduced sustainability-focused business vertical launched in September 2025, reflecting the company's strategic pivot toward environmentally responsible lending practices.

Capital Strengthening Initiatives

SFL undertook comprehensive capital strengthening measures during FY26, raising approximately Rs. 730 crores through various debt instruments:

The External Commercial Borrowing represents a significant milestone as SFL's first international funding arrangement, while the multiple NCD issuances demonstrate strong market confidence in the company's debt instruments.

Network and Operational Expansion

The company's geographic footprint expanded substantially with the addition of 70+ new branches during FY26, bringing the total number of touchpoints to 121 across various regions. This expansion supports SFL's strategy to penetrate deeper into India's underserved MSME ecosystem.

The employee base grew to over 1,200 employees, reflecting continued investment in human capital and customer-centric culture development. This workforce expansion aligns with the company's branch network growth and increased operational scale.

Management Commentary

Mr. Pramod Marar, MD & CEO of SFL, emphasized the company's forward-looking strategy: "As we look ahead, our focus is firmly on building a scalable, resilient, and responsible franchise with an increasing emphasis on sustainability focussed business models. We see significant long-term opportunity in India's MSME ecosystem, a segment that remains under-served yet fundamental to economic growth."

He added that the company's priority will be to "drive disciplined growth while enhancing customer outcomes and creating sustainable long-term value for all stakeholders."

Company Background

Incorporated in August 2018, SFL operates as a wholly owned subsidiary of Satin Creditcare Network Limited, one of India's leading NBFC-MFIs. The company focuses on bridging the financing gap for small and medium enterprises through tailored lending solutions. With six years of profitable operations, SFL has established itself as a trusted player in the MSME financing space and has been listed on the BSE debt market since March 2024.

Satin Creditcare Network Limited has announced the successful allotment of non-convertible debentures worth ₹25 crore, marking a significant fundraising milestone for the financial services company. The allotment was completed following regulatory compliance procedures under SEBI regulations.

Debenture Allotment Details

The Working Committee of the Board of Directors approved the allotment of 2,500 non-convertible debentures on March 30, 2026. The debentures are structured as subordinated, unsecured, rated, listed, taxable, redeemable, and transferable instruments denominated in Indian Rupees.

Regulatory Compliance and Documentation

The debenture issuance follows strict regulatory compliance under Regulations 30 & 51 and other applicable regulations of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company had previously provided intimation dated March 20, 2026, regarding this proposed allotment.

The debentures have been issued based on comprehensive documentation framework:

• General information document dated August 14, 2025
• Key information document dated March 24, 2026
• Private placement offer and application letter dated March 24, 2026
• Debenture trust deed dated March 25, 2026

Debenture Trustee Arrangement

Catalyst Trusteeship Limited has been appointed as the debenture trustee through a debenture trust deed executed on March 25, 2026. This arrangement ensures proper governance and protection of debenture holders' interests throughout the tenure of the instruments.

Corporate Structure

Satin Creditcare Network Limited operates from its corporate office in Gurugram, Haryana, with its registered office located in New Delhi. The company maintains its listing presence and continues to fulfill its disclosure obligations to both NSE and BSE exchanges.