Satin Creditcare Network Limited — Quarter and year ended March 31, 2026 (audited)
| S. No | Particulars | Quarter ended March 31, 2026 (Refer note – 15) | Quarter ended December 31, 2025 (Unaudited) | Quarter ended March 31, 2025 (Refer note – 15) | Year ended March 31, 2026 (Audited) | Year ended March 31, 2025 (Audited) |
|---|---|---|---|---|---|---|
| Income | ||||||
| Revenue from operations | ||||||
| Interest income | 56,368.46 | 54,061.49 | 52,622.30 | 2,21,437.81 | 2,08,868.93 | |
| Dividend income | – | – | – | – | 12.50 | |
| Rental income | 41.21 | 36.20 | 35.39 | 153.27 | 130.86 | |
| Fees and commission income | 403.25 | 217.56 | 268.65 | 998.09 | 1,207.49 | |
| Net gain/(loss) on fair value changes | 11,226.41 | 2,689.68 | (116.03) | 26,097.05 | 3,085.94 | |
| Net gain on derecognition of financial instruments | 12,984.44 | 9,366.12 | 2,640.61 | 33,295.26 | 22,087.55 | |
| Other operating income | 133.65 | 33.39 | 76.71 | 262.20 | 186.66 | |
| 1 | Total revenue from operations | 81,157.42 | 66,404.44 | 55,527.63 | 2,82,243.68 | 2,35,579.93 |
| 2 | Other income | 55.86 | 55.90 | 186.50 | 218.57 | 328.08 |
| 3 | Total income (1+2) | 81,213.28 | 66,460.34 | 55,714.13 | 2,82,462.25 | 2,35,908.01 |
| Expenses | ||||||
| Finance costs: | ||||||
| (i) Interest cost | 25,085.23 | 23,821.22 | 23,162.68 | 96,598.80 | 92,809.47 | |
| (ii) Effects of changes in foreign exchange rates | 9,263.06 | 1,812.91 | 394.52 | 21,308.58 | 2,166.77 | |
| Impairment of financial instruments | 7,536.07 | 11,908.13 | 10,519.92 | 46,202.10 | 50,319.44 | |
| Employee benefits expenses | 16,053.70 | 14,424.14 | 14,437.80 | 58,717.41 | 49,709.36 | |
| Depreciation and amortisation expenses | 747.03 | 702.21 | 660.18 | 2,582.83 | 2,360.10 | |
| Other expenses | 4,437.99 | 4,665.98 | 4,439.03 | 17,684.84 | 15,244.94 | |
| 4 | Total expenses | 63,123.08 | 57,334.59 | 53,614.13 | 2,43,094.56 | 2,12,610.08 |
| 5 | Profit before tax (3-4) | 18,090.20 | 9,125.75 | 2,100.00 | 39,367.69 | 23,297.93 |
| Tax expense: | ||||||
| Current tax | 162.87 | (2.22) | (1,284.76) | 1,959.20 | 8,411.64 | |
| Tax adjustments related to earlier years | 1.41 | (36.74) | – | (35.33) | (645.00) | |
| Deferred tax charge/(credit) | 4,231.11 | 2,099.85 | (719.74) | 7,235.75 | (6,124.94) | |
| 6 | Total tax expense | 4,395.39 | 2,060.89 | (2,004.50) | 9,159.62 | 1,641.70 |
| 7 | Net profit after tax (5-6) | 13,694.81 | 7,064.86 | 4,104.50 | 30,208.07 | 21,656.23 |
| Other comprehensive income | ||||||
| Items that will not be reclassified to profit and loss | (830.98) | 32.57 | (3,521.34) | (2,765.03) | (5,229.44) | |
| Income tax relating to items that will not be reclassified to profit and loss | 209.14 | (8.20) | 886.26 | 695.90 | 1,316.15 | |
| Items that will be reclassified to profit and loss | 1,392.80 | (88.49) | (200.70) | 538.93 | (259.34) | |
| Income tax relating to items that will be reclassified to profit and loss | (350.54) | 22.27 | 50.51 | (135.64) | 65.27 | |
| 8 | Total other comprehensive income | 420.42 | (41.85) | (2,785.27) | (1,665.84) | (4,107.36) |
| 9 | Total comprehensive income (7+8) | 14,115.23 | 7,023.01 | 1,319.23 | 28,542.23 | 17,548.87 |
| 10 | Paid-up equity share capital (face value of ₹ 10 per equity share) | 11,004.32 | 11,004.32 | 11,004.32 | 11,004.32 | 11,004.32 |
| 11 | Other equity | 3,01,878.50 | 2,73,323.48 | |||
| 12 | Earning per share (EPS) (face value of ₹ 10 per equity share) | |||||
| – Basic (amount in ₹ ) | 12.45 | 6.42 | 3.73 | 27.46 | 19.69 | |
| – Diluted (amount in ₹ ) | 12.45 | 6.42 | 3.73 | 27.46 | 19.69 |
| Particulars | As at March 31, 2026 (Audited) | As at March 31, 2025 (Audited) |
|---|---|---|
| ASSETS | ||
| Financial assets | ||
| Cash and cash equivalents | 1,38,267.56 | 64,024.61 |
| Bank balances other than cash and cash equivalents | 65,989.04 | 57,635.35 |
| Derivative financial instruments | 27,039.52 | 1,490.24 |
| Trade receivables | 209.02 | 142.34 |
| Loans | 9,49,233.03 | 8,58,753.89 |
| Investments | 1,18,677.66 | 91,365.13 |
| Other financial assets | 5,044.49 | 2,936.53 |
| Total Financial assets | 13,04,460.32 | 10,76,348.09 |
| Non-financial assets | ||
| Current tax assets (net) | 3,322.26 | 740.46 |
| Investment Property | 571.78 | 601.14 |
| Property, plant and equipment | 9,246.29 | 8,811.15 |
| Capital work-in-progress | 699.35 | 29.60 |
| Other intangible assets | 103.76 | 5.64 |
| Other non-financial assets | 1,224.15 | 2,107.50 |
| Total Non-financial assets | 15,167.59 | 12,295.49 |
| TOTAL ASSETS | 13,19,627.91 | 10,88,643.58 |
| Particulars | As at March 31, 2026 (Audited) | As at March 31, 2025 (Audited) |
|---|---|---|
| LIABILITIES AND EQUITY | ||
| LIABILITIES | ||
| Financial liabilities | ||
| Payables | ||
| – Trade payables (i) total outstanding dues of micro enterprises and small enterprises | 511.93 | 67.78 |
| – Trade payables (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | ||
| Other payables (i) total outstanding dues of micro enterprises and small enterprises | 171.17 | 27.47 |
| Other payables (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,120.52 | 2,787.20 |
| Debt securities | 1,31,477.31 | 1,66,322.82 |
| Borrowings (other than debt securities) | 8,00,642.76 | 5,80,812.20 |
| Subordinated liabilities | 21,099.23 | 32,817.75 |
| Other financial liabilities | 37,557.48 | 17,510.45 |
| Total Financial liabilities | 9,93,580.40 | 8,00,345.67 |
| Non-financial liabilities | ||
| Provisions | 1,812.79 | 1,550.04 |
| Deferred tax liabilities (net) | 9,339.03 | 1,304.36 |
| Other non-financial liabilities | 1,412.87 | 1,115.71 |
| Total Non-financial liabilities | 13,164.69 | 3,970.11 |
| EQUITY | ||
| Equity share capital | 11,004.32 | 11,004.32 |
| Other equity | 3,01,878.50 | 2,73,323.48 |
| Total Equity | 3,12,882.82 | 2,84,327.80 |
| TOTAL LIABILITIES AND EQUITY | 13,19,627.91 | 10,88,643.58 |
| Particulars | For the year ended March 31, 2026 (Audited) | For the year ended March 31, 2025 (Audited) |
|---|---|---|
| A Cash flow from operating activities | ||
| Profit before tax | 39,367.69 | 23,297.93 |
| Depreciation and amortisation | 1,399.87 | 1,338.91 |
| Depreciation of right-of-use assets | 1,182.96 | 1,021.19 |
| Net (gain)/ loss on derecognition of property, plant and equipment | 3.87 | 13.27 |
| Fair value gain on mutual funds | (3,001.07) | (2,228.13) |
| Loss/ (gain) on fair valuation of subsidiaries | 1,823.19 | (1,291.42) |
| Unrealised (gain)/ loss on fair value changes of derivatives and investments | (24,919.17) | 433.61 |
| Impairment on financial instruments | 46,202.10 | 50,319.44 |
| Dividend income | – | (12.50) |
| Net gain on sale of loan portfolio through assignment | (33,295.26) | (22,087.55) |
| First loss default guarantee expense/ (reversal) | 7.11 | (3.40) |
| Share based payment to employees | 28.52 | 43.29 |
| Effective interest rate adjustment for financial instruments | 6,668.10 | 5,444.39 |
| Interest expense for leasing arrangements | 217.57 | 200.17 |
| Net gain on termination of leases | (20.69) | (12.46) |
| Corporate guarantee premium income | (197.88) | (108.49) |
| Unrealised exchange fluctuation loss (net) | 21,308.58 | 1,683.96 |
| Operating profit before working capital changes | 56,775.49 | 58,052.21 |
| (Increase)/decrease in trade receivables | (66.90) | 258.21 |
| (Increase)/decrease in loans | (1,02,893.55) | (1,05,919.74) |
| (Increase)/decrease in other bank balances | (8,353.69) | 20,390.75 |
| (Increase)/decrease in other financial assets | (2,048.64) | (273.10) |
| (Increase)/decrease in other non-financial assets | 775.32 | 671.61 |
| Increase/(decrease) in trade and other payables | (94.56) | 1,313.70 |
| Increase/(decrease) in other financial liabilities | 20,237.80 | 7,065.99 |
| Increase/(decrease) in provisions | 172.48 | (48.12) |
| Increase/(decrease) in other non-financial liabilities | 297.16 | 263.26 |
| Cash used in operating activities post working capital changes | (35,199.09) | (18,225.23) |
| Income tax paid (net) | (2,546.49) | (7,585.41) |
| Net cash used in operating activities (A) | (37,745.58) | (25,810.64) |
| B Cash flows from investing activities | ||
| Purchase of property, plant and equipment (including capital work in progress and capital advance) | (2,141.35) | (1,549.64) |
| Proceeds from sale of property, plant and equipment | 43.65 | (91.42) |
| Purchase of intangible assets (including intangible asset under development) | (109.00) | – |
| Investment made in subsidiaries | (20,094.98) | (7,200.00) |
| Investment made in other than subsidiaries | (23,28,254.72) | (16,24,036.49) |
| Proceeds from sale of investments other than subsidiaries | 23,19,544.72 | 16,22,564.49 |
| Dividend income | – | 12.50 |
| Net cash used in investing activities (B) | (31,011.68) | (10,300.56) |
| C Cash flows from financing activities | ||
| Proceeds from debt securities | 24,316.16 | 81,944.58 |
| Repayment of debt securities | (62,792.37) | (18,605.49) |
| Proceeds from borrowings other than debt securities | 6,69,657.53 | 4,04,867.17 |
| Repayment of borrowings other than debt securities | (4,74,951.44) | (4,02,507.32) |
| Lease payments | (1,377.76) | (1,191.19) |
| Proceeds from subordinated liabilities | 14,652.59 | – |
| Repayment of subordinated liabilities | (26,504.50) | – |
| Net cash generated from financing activities (C) | 1,43,000.21 | 64,507.75 |
| Net increase in cash and cash equivalents (A+B+C) | 74,242.95 (2026), 28,396.55 (2025) | |
| Cash and cash equivalents at the beginning of the year | 64,024.61 (2026), 35,628.06 (2025) | |
| Cash and cash equivalents at the end of the year | 1,38,267.56 (2026), 64,024.61 (2025) |
| Particulars | For the year ended March 31, 2026 | For the year ended March 31, 2025 |
|---|---|---|
| Cash on hand | 1,272.58 | 2,154.30 |
| Balance with banks in current |