Satin Creditcare Network Limited has announced its audited financial results for the fourth quarter and financial year, reporting a consolidated Profit After Tax (PAT) of Rs 162 crores in Q4 FY26, marking a 640.5 per cent year-on-year increase. The company also recorded its 19th consecutive profitable quarter.
On a consolidated basis, Assets under Management (AUM) increased 18.7 per cent year-on-year to Rs 15,174 crores, while disbursements rose 17.4 per cent to Rs 12,514 crores during FY26. Total revenue grew 22.6 per cent to Rs 3,161 crores, while Pre-provision Operating Profit (PPOP) increased 23.1 per cent to Rs 928 crores.
For Q4 FY26, consolidated disbursements stood at Rs 4,420 crores, reflecting a 42.8 per cent increase compared with the same quarter last year. Quarterly revenue rose 49.6 per cent to Rs 923 crores.
The company’s standalone AUM grew 13.6 per cent year-on-year to Rs 12,853 crores, while standalone PAT for FY26 stood at Rs 302 crores, up 39.5 per cent. Q4 standalone PAT came in at Rs 137 crores, registering a 233.7 per cent increase over the previous year.
During FY26, Satin Creditcare improved its asset quality, with PAR 1 reducing to 3.7 per cent in Q4 FY26 from 4.7 per cent in Q3 FY26 on a standalone basis. Collection efficiency for the X bucket remained at 99.9 per cent during the quarter, while standalone credit cost reduced by 77 basis points year-on-year to 3.8 per cent.
The company maintained a strong liquidity position with total fund mobilisation of Rs 11,994 crores during FY26 on a consolidated basis. Cost of borrowings on a standalone basis reduced by 43 basis points year-on-year to 10.82 per cent in March 2026 compared with 11.45 per cent in March 2025.
Satin Creditcare reported a capital adequacy ratio of 25.4 per cent, while consolidated book value per share stood at Rs 259. The company also maintained a balance sheet liquidity of Rs 2,092 crores and undrawn sanctions worth Rs 2,235 crores.
On the asset quality front, on-book GNPA stood at 3.12 per cent, while the Stage 3 Coverage Ratio improved to 72.9 per cent as of March 2026 from 62.3 per cent a year earlier.
The company’s housing finance subsidiary, Satin Housing Finance Limited, reported a 38 per cent year-on-year growth in AUM, reaching Rs 1,267 crores. Meanwhile, Satin Finserv Limited recorded AUM of Rs 1,054 crores, driven by strong growth in MSME and green finance lending.
Satin Technologies Limited expanded its technology and digital transformation operations with the acquisition of a strategic stake in QTrino, a cybersecurity company, and also expanded its presence through representative offices in Toronto and Dubai.
The company also highlighted the launch of Satin Growth Alternatives Limited, its alternative asset management platform, which introduced a SEBI-approved Category II AIF with a target corpus of Rs 200 crores.
Commenting on the performance, Dr. HP Singh, Chairman cum Managing Director, Satin Creditcare Network Limited, said, “FY26 was a landmark year for Satin. Despite a challenging operating environment, we delivered 19 per cent AUM growth, a full-year standalone PAT of Rs 332 Crores, and our 19th consecutive profitable quarter with Q4 FY26 PAT at Rs 162 Crores.”
He added, “We achieved exceptional ROA and ROE in Q4, standing at 4.71 per cent and 23.31 per cent respectively, which is higher than the industry average. Further, the value creation from our wholly owned subsidiaries, SGAL and STL, is expected to act as a key catalyst for further improvement in ROA and ROE in the coming years.”
Speaking on the company’s future outlook, Dr. Singh said, “As we enter FY27, we do so from a position of strength with a resilient balance sheet, multiple growth engines, and a clear strategic roadmap. We remain committed to growing responsibly and creating sustainable long-term value.”
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