Satin creditcare Network Limited's wholly owned subsidiary, Satin Finserv Limited (SFL), has demonstrated exceptional fundraising performance with strategic milestones that reinforce market confidence in its growth trajectory. The company has successfully mobilized approximately Rs. 260 crores in the last three months, marking its strongest fundraising performance to date.

Strategic Fundraising Achievements

SFL has accomplished several significant milestones in its capital mobilization efforts. The company successfully issued Rs. 50 crores in Non-Convertible Debentures (NCDs) featuring a unique per-debenture face value of Rs. 10,000, representing the first such structure for the organization.

Shareholders provided approval at the Extraordinary General Meeting to enhance the NCD issuance limit to an aggregate outstanding of Rs. 600 crores, up from the previous Rs. 200 crores. This substantial increase signals strong alignment with the company's strategic priorities and growth ambitions.

Financial Strength and Market Position

SFL maintains robust financial fundamentals that support its expansion strategy. The company reported a strong Capital Adequacy Ratio of 36.1% as of December 2025, providing a solid foundation for sustained expansion and stability. As of December 2025, SFL manages an Assets Under Management (AUM) of Rs. 728 crores, with on-book AUM standing at Rs. 698 crores.

MSME Market Expansion Strategy

The company is advancing its growth strategy by expanding its product range to capitalize on India's thriving MSME financing market. SFL places strategic emphasis on sustainability financing solutions that support the low-carbon economy transition. The approach combines realigned processes with advanced technology adoption to position the company for accelerated expansion and profitable, impact-driven returns.

Mr. Pramod Marar, Whole Time Director & CEO of SFL, emphasized the significance of these developments: "This robust funding momentum represents a pivotal step forward, expanding our investor reach and fortifying our funding pipeline further reinforcing stakeholder confidence in our strategy and execution. We remain committed to growing responsibly by diversifying our funding sources, strengthening our balance sheet, and empowering more MSMEs with practical, reliable, and sustainable solutions."

Leadership Perspective and Group Support

Dr. HP Singh, Chairman cum Managing Director of Satin Creditcare, highlighted the broader strategic vision: "Our commitment to diversification across the Group is being affirmed in a meaningful way, with SFL's progress underscoring the strength of this vision. The impressive fundraising traction SFL has received demonstrates clear market confidence in its chosen direction. As a Group, we continue to extend unwavering support to our subsidiaries, ensuring they scale with strength and clarity."

Company Background and Market Presence

Incorporated in January 2019, SFL operates as a wholly owned subsidiary of Satin Creditcare Network Limited, one of India's leading NBFC-MFIs. The company has established a proven track record of six years of profitable operations in the MSME financing space. SFL maintains operational presence across 14 states through a network of 121 branches and has been listed on the BSE debt market since March 2024, demonstrating its financial strength and commitment to transparency.

Satin Creditcare Network Limited has completed the allotment of non-convertible debentures worth ₹125 crore, marking a significant fundraising milestone for the microfinance company. The Working Committee of the Board of Directors approved this allotment during their meeting held on January 30, 2026.

Debenture Allotment Details

The company has allotted 1,25,000 non-convertible debentures with specific characteristics that make them attractive to institutional investors. Each debenture carries a face value of ₹10,000, resulting in an aggregate nominal value of ₹125,00,00,000.

Debenture Characteristics

The issued debentures possess several key features that define their investment profile:

• Rating Status: Rated debentures providing credit assessment transparency
• Listing: Listed securities ensuring liquidity for investors
• Security: Senior, secured instruments offering priority in repayment
• Redeemability: Redeemable structure with defined maturity
• Tax Treatment: Taxable instruments with applicable tax implications
• Currency: Denominated in Indian Rupees (INR)

Regulatory Documentation

The debenture issuance follows comprehensive documentation prepared in accordance with regulatory requirements. The company has based this allotment on several key documents including a general information document dated August 14, 2025, and a key information document dated January 27, 2026.

Additionally, the company executed a private placement offer and application letter on January 27, 2026, followed by a debenture trust deed with Catalyst Trusteeship Limited on January 29, 2026. This documentation framework ensures compliance with Securities and Exchange Board of India regulations.

Regulatory Compliance

Satin Creditcare Network Limited has informed both the National Stock Exchange of India Limited and BSE Limited about this allotment, maintaining transparency as required under Regulations 30 & 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company had previously provided intimation about this proposed allotment on January 20, 2026, demonstrating proactive regulatory communication.