India's Richest People 2026 edition · 1 director · Source: Hurun India
- #1,750 Harvinder Pal Singh & family ₹1,000 Cr
Market Cap
₹2,775 Cr
SATIN · NSE
Share Price
₹238.91
-4.88% today
Revenue
₹3,143 Cr
FY 2025-26 · +22.2% YoY
EBITDA
₹1,756 Cr
Margin 55.9%
Net Profit
₹332 Cr
FY 2025-26 · +78.5% YoY
P/E (TTM)
6.2x
P/B 0.9x
ROE
12.3%
ROCE 13.8%
Debt / Equity
3.66
Interest cover 76.0x
About Satin Creditcare Network Limited
Data last updated:
Satin Creditcare Network Limited is a public limited company based in Delhi, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 16 October 1990 and has been in existence for over 36 years.
Its director Harvinder Pal Singh and family are #1,750 among India's richest people (2026).
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN L65991DL1990PLC041796. Its GSTIN is 07AAACS0044B2Z3 (Delhi). The company holds 37 GST registrations, of which 32 are active. It is a listed company as per MCA records. Its shares are listed on BSE: 539404 and NSE: SATIN.
The company has an authorised share capital of ₹200 Cr and a paid-up capital of ₹110.47 Cr. It was formerly known as Satin Leasing and Finance Private Limited and Satin Leasing and Finance Limited. It is led by directors including Harvinder Pal Singh (Managing Director) and Satvinder Singh.
Its last annual general meeting (AGM) was held on 07 August 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at 5th Floor Kundan Bhawan Azadpur Commercial Complex Azadpur, Delhi, India – 110033.
As per the latest consolidated financials for FY 2025-26, the company reported a revenue of ₹3,143.24 Cr, a growth of 22.2% compared to the previous year. For the same year it recorded a net profit of ₹332.29 Cr (net margin 10.6%) and EBITDA of ₹1,756.11 Cr (EBITDA margin 55.9%). The net worth stands at ₹2,863.39 Cr (up 12.6% YoY). Total assets are valued at ₹13,859 Cr (up 22.3% YoY).
The company has about 14,866 employees on its provident fund (EPFO) records. Its group structure includes 2 subsidiaries.
The company is associated with 3 brands: LoanDost, Satin Creditcare and Satin Finserv. As per MCA filings, the company has open charges of ₹14,708 Cr and satisfied charges of ₹25,397 Cr on record. Court records list 2,884 cases involving the company, including 2,813 filed by the company and 71 filed against it; 386 cases are pending. The company has 78 deals on record (27 market trades, 21 funding rounds, 17 secondary share transfers), with disclosed funding of ₹2,872.47 Cr; the latest was in May 2026. Its 7 peer companies in the BFSI industry (Large NBFC, Micro Finance Institutions, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 4 smaller; the largest is SK Finance Limited with revenue of ₹2,386.38 Cr.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website satincreditcare.com.
Company details
CIN L65991DL1990PLC041796
Registration Number 041796
Incorporation Date 16 October 1990
ROC Delhi
Listing Status Listed - Listed on NSE (SATIN); Listed on BSE (539404)
Company Status Active
Date of Last AGM 07 August 2026
Date of Balance Sheet 31 March 2026
Compliance Status Active Compliant
Name history
Satin Creditcare Network has undergone 2 name changes throughout its history. The company was previously known as Satin Leasing And Finance Private Limited, and Satin Leasing And Finance Limited. The current legal name is Satin Creditcare Network Limited.
| Company Name | Status |
|---|---|
| Satin Creditcare Network Limited | Current |
| Satin Leasing And Finance Private Limited | Previous |
| Satin Leasing And Finance Limited | Previous |
Key People
Harvinder Pal Singh Managing Director Satvinder Singh Director Ashok Kumar Sharma Director Recognitions & Rankings of Satin Creditcare Network
Contact details
Satin Creditcare Network Limited's registered office is in Delhi, Delhi. Its website is satincreditcare.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered Address5th Floor Kundan Bhawan Azadpur Commercial Complex Azadpur, Delhi, India – 110033
- IndustryFinancial Services, NBFC, Microfinance Institutions
To see the full contact details of Satin Creditcare Network Limited, buy the company report.
Comprehensive company report
Satin Creditcare Network Limited - one report that includes everything
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
₹799 ₹999 20% off excluding 18% GST
Secure checkout · GST invoice included
Brands
Satin Creditcare Network operates multiple associated brands including LoanDost, Satin Creditcare, and Satin Finserv. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Operates a digital platform for accessing personal loans. | loandost.com | |
| Micro loans for businesses are offered by this NBFC. | satincreditcare.com | |
| Offers personal, SME, and MSME loan services | satinfinserv.com |
Business activity
The main business activity of Satin Creditcare Network is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of Satin Creditcare Network Limited, buy the company report.
Financials of Satin Creditcare Network Limited
FY 2025-26 filings availableSatin Creditcare Network Limited reported revenue of ₹3,143.24 Cr (up 22.2% YoY) for FY 2025-26.
Financial Highlights
FY 2025-26 · ConsolidatedRevenue
₹3,143 Cr
+22.2% YoY
EBITDA
₹1,756 Cr
+34.6% YoY
Profit After Tax
₹332 Cr
+78.5% YoY
Net Worth
₹2,863 Cr
+12.6% YoY
Total Assets
₹13,859 Cr
+22.3% YoY
Total Debt
₹10,991 Cr
+25.0% YoY
Revenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 3,143 | 2,572 | 2,234 | 1,549 | 1,378 | 1,377 | 1,500 |
| Revenue growth | +22.2% | +15.1% | +44.2% | +12.4% | +0.0% | -8.2% | - |
| EBITDA | 1,756 | 1,305 | 1,500 | 639 | 678 | 640 | 815 |
| EBITDA margin | +55.9% | +50.7% | +67.2% | +41.2% | +49.2% | +46.5% | +54.3% |
| Profit before tax | 432 | 236 | 583 | 5.25 | 34.18 | (9.76) | 212 |
| Net profit | 332 | 186 | 436 | 4.74 | 20.70 | (14.09) | 155 |
| Net profit margin | +10.6% | +7.2% | +19.5% | +0.3% | +1.5% | -1.0% | +10.3% |
| EPS (₹) | 30.19 | 16.91 | 39.62 | 0.57 | 2.77 | (2.10) | 29.97 |
| Balance sheet | |||||||
| Total assets | 13,859 | 11,334 | 10,316 | 7,539 | 7,325 | 7,667 | 6,990 |
| Net worth | 2,863 | 2,543 | 2,401 | 1,628 | 1,582 | 1,486 | 1,449 |
| Total debt | 10,991 | 8,791 | 7,915 | 5,911 | 5,744 | 6,181 | 5,542 |
| Cash & bank | 2,251 | 1,375 | 1,271 | 1,114 | 2,002 | 1,958 | 1,881 |
| Net working capital | 2,192 | 1,228 | 1,209 | 931 | 1,760 | 1,668 | 1,683 |
| Cash flow | |||||||
| Cash from operations | (974) | (563) | (2,069) | (956) | 336 | (945) | (225) |
| Cash from investing | (123) | (45.39) | (28.23) | (72.90) | (50.80) | 226 | 55.68 |
| Cash from financing | 1,873 | 914 | 2,263 | 390 | (442) | 734 | 243 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 926 | 762 | 920 | 740 | 781 | 703 | 615 | 684 |
| Revenue growth (YoY) | +18.6% | +8.4% | +49.5% | +8.2% | +18.8% | +11.1% | - | - |
| Other income | 3.39 | 2.61 | 3.05 | 5.20 | 4.91 | 4.69 | 1.44 | 3.52 |
| EBITDA | 575 | 417 | 599 | 385 | 415 | 357 | 288 | 287 |
| EBITDA margin | +62.3% | +54.9% | +65.4% | +52.1% | +53.2% | +50.8% | +46.9% | +41.9% |
| Depreciation | 8.96 | 7.94 | 9.08 | 8.15 | 6.86 | 6.21 | 7.58 | 7.30 |
| Interest | 335 | 251 | 381 | 289 | 344 | 297 | 264 | 268 |
| Profit before tax | 235 | 161 | 212 | 93.11 | 68.70 | 58.08 | 18.23 | 14.96 |
| Tax | 58.74 | 38.55 | 50.12 | 21.21 | 15.54 | 12.98 | (3.67) | 0.69 |
| Net profit | 176 | 123 | 162 | 71.90 | 53.16 | 45.10 | 21.90 | 14.27 |
| EPS (₹) | 15.98 | 11.15 | 14.73 | 6.54 | 4.83 | 4.10 | 1.99 | 1.30 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 2,825 | 2,359 | 2,050 | 1,761 | 1,262 | 1,273 | 1,400 |
| Revenue growth | +19.7% | +15.1% | +16.4% | +39.6% | -0.9% | -9.1% | - |
| EBITDA | 1,599 | 1,206 | 1,418 | 933 | 679 | 621 | 804 |
| EBITDA margin | +56.6% | +51.1% | +69.2% | +53.0% | +53.8% | +48.8% | +57.4% |
| Profit before tax | 394 | 233 | 566 | 341 | 59.36 | (9.77) | 213 |
| Net profit | 302 | 217 | 423 | 264 | 40.34 | (13.17) | 156 |
| Net profit margin | +10.7% | +9.2% | +20.7% | +15.0% | +3.2% | -1.0% | +11.2% |
| EPS (₹) | 27.45 | 19.68 | 38.43 | 31.17 | 5.39 | (2.04) | 30.22 |
| Balance sheet | |||||||
| Total assets | 12,661 | 10,643 | 9,862 | 7,361 | 7,069 | 7,517 | 6,862 |
| Net worth | 3,129 | 2,843 | 2,667 | 1,914 | 1,606 | 1,491 | 1,453 |
| Total debt | 9,532 | 7,800 | 7,195 | 5,447 | 5,463 | 6,026 | 5,409 |
| Cash & bank | 2,043 | 1,217 | 1,137 | 1,029 | 1,915 | 1,863 | 1,762 |
| Net working capital | 1,975 | 1,060 | 1,071 | 847 | 1,679 | 1,575 | 1,560 |
| Cash flow | |||||||
| Cash from operations | (377) | (258) | (1,784) | (736) | 465 | (883) | (17.03) |
| Cash from investing | (310) | (103) | (85.84) | (111) | (54.61) | 211 | (109) |
| Cash from financing | 1,430 | 645 | 2,013 | 206 | (567) | 713 | 151 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 812 | 671 | 812 | 664 | 710 | 637 | 555 | 631 |
| Revenue growth (YoY) | +14.3% | +5.4% | +46.2% | +5.2% | +18.3% | +9.4% | - | - |
| Other income | 0.59 | 0.55 | 0.56 | 0.56 | 0.50 | 0.56 | 1.87 | 0.77 |
| Total expenses | 298 | 301 | 280 | 310 | 325 | 310 | 294 | 367 |
| EBITDA | 513 | 370 | 531 | 354 | 385 | 326 | 261 | 265 |
| EBITDA margin | +63.3% | +55.2% | +65.6% | +53.3% | +54.2% | +51.3% | +47.1% | +41.9% |
| Depreciation | 6.87 | 6.43 | 7.47 | 7.02 | 5.97 | 5.37 | 6.60 | 6.32 |
| Interest | 279 | 206 | 343 | 256 | 313 | 267 | 236 | 242 |
| Profit before tax | 228 | 158 | 181 | 91.26 | 66.88 | 54.63 | 21.01 | 17.01 |
| Tax | 56.69 | 37.67 | 43.95 | 20.61 | 15.01 | 12.03 | (20.05) | (14.34) |
Financial Statements
Figures in ₹ Cr; negatives in brackets. Updated 31 Oct 2026
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 926 | 762 | 920 | 740 | 781 | 703 | 615 | 684 |
| Revenue growth (YoY) | +18.6% | +8.4% | +49.5% | +8.2% | +18.8% | +11.1% | - | - |
| Other income | 3.39 | 2.61 | 3.05 | 5.20 | 4.91 | 4.69 | 1.44 | 3.52 |
| EBITDA | 575 | 417 | 599 | 385 | 415 | 357 | 288 | 287 |
| EBITDA margin | +62.3% | +54.9% | +65.4% | +52.1% | +53.2% | +50.8% | +46.9% | +41.9% |
| Depreciation | 8.96 | 7.94 | 9.08 | 8.15 | 6.86 | 6.21 | 7.58 | 7.30 |
| Interest | 335 | 251 | 381 | 289 | 344 | 297 | 264 | 268 |
| Profit before tax | 235 | 161 | 212 | 93.11 | 68.70 | 58.08 | 18.23 | 14.96 |
| Tax | 58.74 | 38.55 | 50.12 | 21.21 | 15.54 | 12.98 | (3.67) | 0.69 |
| Net profit | 176 | 123 | 162 | 71.90 | 53.16 | 45.10 | 21.90 | 14.27 |
| EPS (₹) | 15.98 | 11.15 | 14.73 | 6.54 | 4.83 | 4.10 | 1.99 | 1.30 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 3,143 | 2,572 | 2,234 | 1,549 | 1,378 | 1,377 | 1,500 |
| Revenue growth | +22.2% | +15.1% | +44.2% | +12.4% | +0.0% | -8.2% | - |
| Other income | 17.63 | 6.52 | 6.57 | 1.73 | 3.39 | 3.03 | 3.92 |
| Total expenses | 1,387 | 1,267 | 734 | 911 | 700 | 737 | 685 |
| Employee cost | 686 | 576 | 448 | 388 | 393 | 337 | 351 |
| EBITDA | 1,756 | 1,305 | 1,500 | 639 | 678 | 640 | 815 |
| EBITDA margin | +55.9% | +50.7% | +67.2% | +41.2% | +49.2% | +46.5% | +54.3% |
| Depreciation | 30.29 | 27.27 | 22.66 | 18.39 | 16.10 | 15.08 | 17.54 |
| Interest | 1,311 | 1,049 | 901 | 617 | 631 | 638 | 589 |
| Profit before tax | 432 | 236 | 583 | 5.25 | 34.18 | (9.76) | 212 |
| Tax | 99.84 | 49.64 | 147 | 0.43 | 13.48 | 4.23 | 56.65 |
| Net profit | 332 | 186 | 436 | 4.74 | 20.70 | (14.09) | 155 |
| Net profit margin | +10.6% | +7.2% | +19.5% | +0.3% | +1.5% | -1.0% | +10.3% |
| EPS (₹) | 30.19 | 16.91 | 39.62 | 0.57 | 2.77 | (2.10) | 29.97 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 110 | 110 | 110 | 84.80 | 74.59 | 66.47 | 51.71 |
| Reserves & surplus | 2,753 | 2,433 | 2,291 | 1,514 | 1,457 | 1,420 | 1,397 |
| Shareholders' funds (net worth) | 2,863 | 2,543 | 2,401 | 1,628 | 1,582 | 1,486 | 1,449 |
| Minority interest | 4.12 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 10,244 | 7,975 | 7,372 | 5,330 | 4,936 | 5,347 | 4,683 |
| Unsecured loans | 747 | 816 | 543 | 581 | 807 | 834 | 859 |
| Total debt | 10,991 | 8,791 | 7,915 | 5,911 | 5,744 | 6,181 | 5,542 |
| Total liabilities | 13,859 | 11,334 | 10,316 | 7,539 | 7,325 | 7,667 | 6,990 |
| Assets | |||||||
| Gross block | 262 | 234 | 220 | 210 | 200 | 197 | 148 |
| Net block | 154 | 137 | 133 | 129 | 126 | 131 | 93.95 |
| Capital work in progress | 11.83 | 0.43 | 0.09 | 0.00 | 0.18 | 3.65 | 34.14 |
| Investments | 151 | 55.10 | 56.49 | 61.76 | 48.57 | 0.58 | 246 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 8.14 | 1.94 | 8.45 | 5.39 | 2.76 | 19.46 | 12.33 |
| Cash & bank balances | 2,251 | 1,375 | 1,271 | 1,114 | 2,002 | 1,958 | 1,881 |
| Loans & advances | 404 | 104 | 104 | 122 | 85.04 | 68.09 | 91.20 |
| Total current assets | 2,663 | 1,481 | 1,384 | 1,241 | 2,090 | 2,046 | 1,985 |
| Total current liabilities | 471 | 253 | 174 | 310 | 330 | 377 | 302 |
| Net working capital | 2,192 | 1,228 | 1,209 | 931 | 1,760 | 1,668 | 1,683 |
| Total assets | 13,859 | 11,334 | 10,316 | 7,539 | 7,325 | 7,667 | 6,990 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 729 | 424 | 258 | 897 | 1,054 | 1,039 | 966 |
| Net cash from operating activities | (974) | (563) | (2,069) | (956) | 336 | (945) | (225) |
| Net cash from investing activities | (123) | (45.39) | (28.23) | (72.90) | (50.80) | 226 | 55.68 |
| Net cash from financing activities | 1,873 | 914 | 2,263 | 390 | (442) | 734 | 243 |
| Net change in cash | 777 | 305 | 166 | (639) | (157) | 15.08 | 73.24 |
| Closing cash | 2,251 | 1,375 | 1,271 | 1,114 | 2,002 | 1,958 | 1,881 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +22.2% | +15.1% | +44.2% | +12.4% | +0.0% | -8.2% | - |
| EBITDA growth | +34.6% | -13.0% | +134.9% | -5.8% | +5.8% | -21.4% | - |
| PBT growth | +83.3% | -59.6% | - | -84.6% | +9998.0% | - | -33.0% |
| Net income growth | +78.5% | -57.3% | +9103.0% | -77.1% | +246.9% | -109.1% | - |
| Revenue CAGR (3Y) | +26.6% | +23.1% | +17.5% | +1.1% | -1.5% | +10.1% | +23.2% |
| EBITDA CAGR (3Y) | +40.1% | +24.4% | +32.8% | -7.8% | -11.3% | -1.3% | +19.3% |
| Profitability & leverage | |||||||
| Net income margin | +10.6% | +7.2% | +19.5% | +0.3% | +1.5% | -1.0% | +10.3% |
| Return on capital employed | +13.8% | +11.9% | +16.6% | +8.4% | +8.8% | +8.6% | +11.9% |
| Return on net worth | +12.3% | +7.5% | +21.6% | +0.3% | +1.4% | -1.0% | +11.9% |
| Debt / equity | 3.66 | 3.38 | 3.43 | 3.63 | 3.89 | 3.99 | 4.16 |
| Long-term debt / equity | 3.54 | 3.18 | 3.22 | 3.40 | 3.58 | 3.74 | 3.97 |
| Interest cover | 75.99 | 82.06 | 60.99 | 99.43 | 95.35 | 102.05 | 73.94 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 12.76 | 11.37 | 10.42 | 7.56 | 6.95 | 7.99 | 11.31 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 627.16 | 496.36 | 323.78 | 380.59 | 124.29 | 86.83 | 121.69 |
| EPS (₹) | 30.19 | 16.91 | 39.62 | 0.57 | 2.77 | (2.10) | 29.97 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 260.21 | 231.08 | 218.17 | 188.55 | 205.37 | 223.58 | 280.14 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 812 | 671 | 812 | 664 | 710 | 637 | 555 | 631 |
| Revenue growth (YoY) | +14.3% | +5.4% | +46.2% | +5.2% | +18.3% | +9.4% | - | - |
| Other income | 0.59 | 0.55 | 0.56 | 0.56 | 0.50 | 0.56 | 1.87 | 0.77 |
| Total expenses | 298 | 301 | 280 | 310 | 325 | 310 | 294 | 367 |
| EBITDA | 513 | 370 | 531 | 354 | 385 | 326 | 261 | 265 |
| EBITDA margin | +63.3% | +55.2% | +65.6% | +53.3% | +54.2% | +51.3% | +47.1% | +41.9% |
| Depreciation | 6.87 | 6.43 | 7.47 | 7.02 | 5.97 | 5.37 | 6.60 | 6.32 |
| Interest | 279 | 206 | 343 | 256 | 313 | 267 | 236 | 242 |
| Profit before tax | 228 | 158 | 181 | 91.26 | 66.88 | 54.63 | 21.01 | 17.01 |
| Tax | 56.69 | 37.67 | 43.95 | 20.61 | 15.01 | 12.03 | (20.05) | (14.34) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 2,825 | 2,359 | 2,050 | 1,761 | 1,262 | 1,273 | 1,400 |
| Revenue growth | +19.7% | +15.1% | +16.4% | +39.6% | -0.9% | -9.1% | - |
| Other income | 0.00 | 0.00 | 0.69 | 0.49 | 0.23 | 0.22 | 1.33 |
| Total expenses | 1,226 | 1,153 | 632 | 828 | 583 | 652 | 596 |
| Employee cost | 587 | 497 | 366 | 316 | 324 | 281 | 297 |
| EBITDA | 1,599 | 1,206 | 1,418 | 933 | 679 | 621 | 804 |
| EBITDA margin | +56.6% | +51.1% | +69.2% | +53.0% | +53.8% | +48.8% | +57.4% |
| Depreciation | 25.83 | 23.60 | 19.98 | 16.20 | 13.79 | 13.01 | 15.20 |
| Interest | 1,179 | 950 | 833 | 576 | 606 | 618 | 577 |
| Profit before tax | 394 | 233 | 566 | 341 | 59.36 | (9.77) | 213 |
| Tax | 91.60 | 16.42 | 143 | 76.67 | 19.13 | 3.79 | 56.90 |
| Net profit | 302 | 217 | 423 | 264 | 40.34 | (13.17) | 156 |
| Net profit margin | +10.7% | +9.2% | +20.7% | +15.0% | +3.2% | -1.0% | +11.2% |
| EPS (₹) | 27.45 | 19.68 | 38.43 | 31.17 | 5.39 | (2.04) | 30.22 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 110 | 110 | 110 | 84.80 | 74.59 | 66.47 | 51.71 |
| Reserves & surplus | 3,019 | 2,733 | 2,557 | 1,800 | 1,482 | 1,425 | 1,401 |
| Shareholders' funds (net worth) | 3,129 | 2,843 | 2,667 | 1,914 | 1,606 | 1,491 | 1,453 |
| Secured loans | 7,093 | 6,024 | 6,075 | 4,675 | 4,678 | 3,512 | 4,580 |
| Unsecured loans | 2,439 | 1,775 | 1,120 | 773 | 785 | 2,513 | 829 |
| Total debt | 9,532 | 7,800 | 7,195 | 5,447 | 5,463 | 6,026 | 5,409 |
| Total liabilities | 12,661 | 10,643 | 9,862 | 7,361 | 7,069 | 7,517 | 6,862 |
| Assets | |||||||
| Gross block | 195 | 182 | 170 | 163 | 154 | 153 | 106 |
| Net block | 99.22 | 94.18 | 93.15 | 91.38 | 88.12 | 93.67 | 56.19 |
| Capital work in progress | 6.99 | 0.30 | 0.00 | 0.00 | 0.18 | 3.65 | 34.14 |
| Investments | 1,187 | 914 | 825 | 742 | 336 | 283 | 513 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 2.09 | 1.42 | 4.01 | 2.41 | 2.39 | 14.61 | 6.13 |
| Cash & bank balances | 2,043 | 1,217 | 1,137 | 1,029 | 1,915 | 1,863 | 1,762 |
| Loans & advances | 366 | 72.74 | 71.06 | 97.12 | 68.37 | 55.70 | 73.38 |
| Total current assets | 2,411 | 1,291 | 1,212 | 1,128 | 1,985 | 1,933 | 1,841 |
| Total current liabilities | 436 | 231 | 140 | 282 | 306 | 358 | 281 |
| Net working capital | 1,975 | 1,060 | 1,071 | 847 | 1,679 | 1,575 | 1,560 |
| Total assets | 12,661 | 10,643 | 9,862 | 7,361 | 7,069 | 7,517 | 6,862 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 640 | 356 | 213 | 855 | 1,011 | 969 | 945 |
| Net cash from operating activities | (377) | (258) | (1,784) | (736) | 465 | (883) | (17.03) |
| Net cash from investing activities | (310) | (103) | (85.84) | (111) | (54.61) | 211 | (109) |
| Net cash from financing activities | 1,430 | 645 | 2,013 | 206 | (567) | 713 | 151 |
| Net change in cash | 742 | 284 | 143 | (641) | (156) | 41.40 | 24.66 |
| Closing cash | 2,043 | 1,217 | 1,137 | 1,029 | 1,915 | 1,863 | 1,762 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +19.7% | +15.1% | +16.4% | +39.6% | -0.9% | -9.1% | - |
| EBITDA growth | +32.5% | -14.9% | +52.0% | +37.3% | +9.5% | -22.8% | - |
| PBT growth | +69.0% | -58.8% | +65.9% | +474.5% | +9998.0% | - | -30.3% |
| Net income growth | +39.5% | -48.8% | +60.1% | +555.2% | +406.3% | -108.4% | - |
| Revenue CAGR (3Y) | +17.1% | +23.2% | +17.2% | +8.0% | -2.8% | +9.2% | +21.7% |
| EBITDA CAGR (3Y) | +19.7% | +21.1% | +31.7% | +5.1% | -10.9% | -2.7% | +18.9% |
| Profitability & leverage | |||||||
| Net income margin | +10.7% | +9.2% | +20.6% | +15.0% | +3.2% | -1.1% | +11.2% |
| Return on capital employed | +13.5% | +11.5% | +16.2% | +12.7% | +9.1% | +8.5% | +11.9% |
| Return on net worth | +10.1% | +7.9% | +18.5% | +15.0% | +2.6% | -0.9% | +12.0% |
| Debt / equity | 2.90 | 2.72 | 2.76 | 3.10 | 3.71 | 3.88 | 4.09 |
| Long-term debt / equity | 2.29 | 2.32 | 2.50 | 2.83 | 3.41 | 3.63 | 3.89 |
| Interest cover | 74.97 | 80.30 | 59.57 | 62.85 | 91.12 | 101.64 | 73.14 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 15.01 | 13.42 | 12.30 | 11.11 | 8.22 | 9.84 | 15.12 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 1,609.47 | 868.91 | 638.83 | 733.98 | 148.49 | 122.77 | 221.49 |
| EPS (₹) | 27.45 | 19.68 | 38.43 | 31.17 | 5.39 | (2.04) | 30.22 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 284.33 | 258.38 | 242.39 | 222.23 | 208.64 | 224.32 | 280.93 |
To see the full year-wise statements and ratios of Satin Creditcare Network Limited, buy the company report.
Board of directors of Satin Creditcare Network Limited
Satin Creditcare Network has 6 current directors and 33 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Satvinder Singh | Director | 16 Oct 1990 | 36 Years 0 Months | Current |
| Harvinder Pal Singh Also directs: Satin Technologies Limited, Satin Housing Finance Limited, Satin Finserv Limited and 2 more | Managing Director | 16 Oct 1990 | 36 Years 0 Months | Current |
| Ashok Kumar Sharma | Director | 27 Jun 2025 | 1 Years 4 Months | Current |
| Anupam Kunal Gangaher | Director | 27 Jun 2025 | 1 Years 4 Months | Current |
| Jyoti Davar Vij Also directs: R R Kabel Limited, Walter Infra Manager Private Limited, NXT - Infra MCP Highways Private Limited and 1 more | Director | 31 Jul 2024 | 2 Years 3 Months | Current |
| Joydeep Dattagupta | Director | 24 Jun 2024 | 2 Years 4 Months | Current |
Peer comparison
Satin Creditcare Network Limited is compared with the 7 companies closest to it by revenue in the BFSI industry (Large NBFC, Micro Finance Institutions, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Satin Creditcare Network Limitedthis company | ₹3,143.24 Cr (FY 2026) | ₹332.29 Cr | 10.6% | 22.2% | 14,866 | Delhi, India |
| SK Finance Limited | ₹2,386.38 Cr (FY 2025) | 33.0% | Jaipur, Rajasthan, India | |||
| Northern Arc Capital Limited | ₹2,355.74 Cr (FY 2025) | 24.0% | Chennai, Tamil Nadu, India | |||
| Icm Finance Private Limited | ₹2,260.31 Cr (FY 2025) | -23.0% | Kolkata, West Bengal, India | |||
| Wadhawan Global Capital Limited | ₹2,175.8 Cr (FY 2018) | 267.0% | Mumbai, Maharashtra, India | |||
| Belstar Microfinance Limited | ₹2,124.99 Cr (FY 2025) | 15.0% | Chennai, Tamil Nadu, India | |||
| Annapurna Finance Private Limited | ₹2,074.26 Cr (FY 2024) | 32.0% | Bhubaneswar, Odisha, India | |||
| Ifci Limited | ₹2,064.16 Cr (FY 2025) | -2.0% | New Delhi, Delhi, India |
To see the full peer comparison of Satin Creditcare Network Limited, buy the company report.
Auditor
Satin Creditcare Network Limited is audited by WALKER CHANDOIK & CO. LLP for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| WALKER CHANDOIK & CO. LLP | FY 2019 | 001076N/N500013 |
Shareholding
Shareholding for the quarter ended Sep 2026: promoters hold 36.20%, foreign institutional investors hold 4.90%, domestic institutional investors hold 6.30% and retail and other public shareholders hold 52.60%.
Sep 2026
QUARTER
36.20% Promoters
6.30% DII (Domestic Institutional)
4.90% FII (Foreign Institutional)
52.60% Retail & Others
Promoter holding - history
Now 36.20% · Sep 2026High 36.20% · Dec 2025Low 36.20% · Dec 2025
Shareholding trend - last 6 quarters
| Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | |
|---|---|---|---|---|
| Promoters | 36.20% | 36.20% | 36.20% | 36.20% |
| Public | 63.80% | 63.80% | 63.80% | 63.80% |
Charges & borrowings
Open charges
₹14,708 Cr
Satisfied charges
₹25,397 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 23 Oct 2026 | 101414512 | The Hongkong and Shanghai Banking Corporation Limited | ₹150 Cr | Open | |
| 22 Oct 2026 | 101414025 | Others | ₹162.11 Cr | Open | |
| 30 Sep 2026 | 101413131 | Others | ₹20 Cr | Open | |
| 30 Sep 2026 | 101413150 | Others | ₹200 Cr | Open | |
| 30 Sep 2026 | 101413167 | Others | ₹5 Cr | Open |
To see the full charge records of Satin Creditcare Network Limited, buy the company report.
Total charge records: 911 View all charges
Deals & funding
Satin Creditcare Network Limited has 78 deals on record (27 market trades, 21 funding rounds, 17 secondary share transfers), with disclosed funding of ₹2,872.47 Cr; the latest was in May 2026.
Total deals
78
Market trades
27
Funding rounds
21
Secondary share transfers
17
Debt financings
9
Disclosed funding
₹2,872.47 Cr
Deals on record (5 of 78)
| When | Deal | Amount | Parties |
|---|---|---|---|
| May 2026 | Market trade | ₹128.06 Cr | Buyer: NK Securities Research Private Limited , Qe Securities LLP , Musigma Securities Seller: NK Securities Research Private Limited , Qe Securities LLP , Musigma Securities |
| Feb 2024 | Market trade | ₹18.22 Cr | Buyer: Graviton Research Capital LLP Seller: Graviton Research Capital LLP |
| Jan 2024 | Market trade | ₹35.49 Cr | Buyer: Graviton Research Capital LLP Seller: Graviton Research Capital LLP |
| Dec 2023 | QIP | ₹250 Cr | Investors: Others - QIP Investors, Icici Prudential Life Insurance Company Limited , Societe Generale |
| Sep 2023 | Market trade | ₹25.17 Cr | Buyer: Graviton Research Capital LLP , Evli Emerging Frontier Fund Seller: Graviton Research Capital LLP |
To see the full deal history of Satin Creditcare Network Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Satin Creditcare Network Limited has 2,884 court cases on record: 2,813 filed by Satin Creditcare Network, 71 filed against it. 386 cases are pending and 2,498 are disposed.
Total cases
2,884
Filed by the company
2,813
Filed against the company
71
Pending
386
Disposed
2,498
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 2,864 | 54 | 382 |
| High courts | 19 | 16 | 4 |
| Supreme Court | 1 | 1 | 0 |
Cases on record (5 of 2,884)
| Court | Type of case | Party | Status |
|---|---|---|---|
| Supreme Court | Court case (4704-Transfer Petitions : Criminal Transfer Petition under Section 406 Code of Criminal Procedure, 1973/Section 446 of the Bharatiya Nagarik Suraksha Sanhita, 2023) | Filed against the company by an individual | Disposed |
| High Court of Punjab and Haryana | Arbitration matter | Filed against the company by Nutech Contracts Private Limited | Disposed |
| High Court of Delhi | Court case (RFA(COMM)) | Filed against the company by New India Assurance Co Ltd | Pending |
| District court, South West, Delhi | Court case (CR CRIMINAL REVISION) | Filed by the company against an individual | Pending |
| District court, East, Delhi | Execution petition | Filed by the company against The New India Assurance Co Ltd | Pending |
To see the full case history of Satin Creditcare Network Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
Satin Creditcare Network Limited was last rated by Brickwork on 23 Jul 2021.
| Rating agency | Rated on | Rating |
|---|---|---|
| Brickwork | 23 Jul 2021 |
To see the full credit ratings and regulatory alerts of Satin Creditcare Network Limited, buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Satin Creditcare Network Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Group structure & subsidiaries
Satin Creditcare Network has 2 subsidiary companies. This group structure data is as of FY 2024. The table lists each entity with its relationship and holding.
2
Subsidiary companies
Key subsidiaries
| Company Name | CIN | Shares held |
|---|---|---|
| Satin Housing Finance Limited | U65929DL2017PLC316143 | |
| Satin Finserv Limited | U65999HR2018PLC099128 |
To see the full group structure of Satin Creditcare Network Limited, buy the company report.
Employees & EPFO
Satin Creditcare Network Limited has a workforce of 14,866 employees on its EPFO records as of Jan 21, 2026, across 1 active EPFO establishment.
Employee count
14,866
Active EPFO establishments
1
Employee growth
3.79%
GST
Satin Creditcare Network has 37 GST registrations: 32 active and 5 cancelled or inactive. The first 4 active GSTINs are listed below.
Total GSTINs
37
Active
32
Cancelled / inactive
5
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 07AAACS0044B2Z3 | Delhi | Active | 01 Jul 2017 |
| 07AAACS0044B3Z2 | Delhi | Active | 07 Jul 2017 |
| 03AAACS0044B1ZC | Punjab | Active | 01 Jul 2017 |
| 05AAACS0044B1Z8 | Uttarakhand | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Satin Creditcare Network Limited, buy the company report.
Recent activity
Satin Creditcare Network Limited has 67 board changes on record since 1990: 37 appointments and 30 cessations. The latest: Anil Kumar Kalra ceased to be Director on 07 Dec 2025.
Charges
A charge with The Hongkong And Shanghai Banking Corporation Limited amounted to Rs. 150.00 Cr with Charge ID 101414512 was registered on 23 Oct 2026.
Charges
A charge with Others amounted to Rs. 162.11 Cr with Charge ID 101414025 was registered on 22 Oct 2026.
Charges
A charge registered on 10 Jul 2024 via Charge ID 100955113 with The Hongkong And Shanghai Banking Corporation Limited was fully satisfied on 16 Oct 2026.
Charges
A charge registered on 16 Sep 2025 via Charge ID 101164179 with Others was fully satisfied on 08 Oct 2026.
Charges
A charge registered on 28 Jun 2024 via Charge ID 100942639 with Others was fully satisfied on 06 Oct 2026.
Charges
A charge registered on 20 Sep 2023 via Charge ID 100780219 with Others was fully satisfied on 05 Oct 2026.
Charges
A charge with Others amounted to Rs. 20.00 Cr with Charge ID 101413131 was registered on 30 Sep 2026.
Charges
A charge with Others amounted to Rs. 200.00 Cr with Charge ID 101413150 was registered on 30 Sep 2026.
Charges
A charge with Others amounted to Rs. 5.00 Cr with Charge ID 101413167 was registered on 30 Sep 2026.
Charges
A charge registered on 21 Aug 2024 via Charge ID 100977417 with Others was fully satisfied on 29 Sep 2026.
Charges
A charge registered on 12 Sep 2023 via Charge ID 100778707 with Others was fully satisfied on 26 Sep 2026.
Charges
A charge with Others amounted to Rs. 30.00 Cr with Charge ID 101394711 was registered on 25 Sep 2026.
1782 earlier events are in the company report.
News
SATIN: Q2 REVENUE 9.26B RUPEES VS 7.9B (YOY)
SATIN: Q2 CONS NET PROFIT 1.76B RUPEES VS 532M (YOY)
SATIN: Q2 EBITDA 5.8B RUPEES VS 3.85B (YOY); Q2 EBITDA MARGIN 62.58% VS 48.85% (YOY)
Satin Creditcare Network: Reports Standalone ROA of 4.3% and Credit Cost of 2.8% for H1 FY27, Exceeding FY27 Expectations
Satin Creditcare: Reports ₹16,600 Crore AUM As Of September 30, 2026, Up About 31% Yearly, Standalone AUM Also Grew 23% Yearly To ₹13,600 Crore, With Non-MFI Portion Rising To 20% From 15% Last Year
Satin Creditcare Network: Plans Analyst And Investor Meeting On September 28
Frequently asked questions
Satin Creditcare Network is an active public limited company based in Delhi, India. The company works in nbfc, within the financial services industry. It was incorporated on 16 October 1990 (36+ years old) and is registered under CIN L65991DL1990PLC041796. Listed on BSE: 539404 and NSE: SATIN.
Satin Creditcare Network reported revenue of ₹3,143.24 Cr for FY 2025-26 (up 22.2% YoY) based on consolidated financials.
Satin Creditcare Network has 6 current directors:
- Harvinder Pal Singh - Managing Director
- Satvinder Singh - Director
- Ashok Kumar Sharma - Director
- Anupam Kunal Gangaher - Director
- Jyoti Davar Vij - Director
- Joydeep Dattagupta - Director
The latest financial statements of Satin Creditcare Network on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 07 August 2026. Year-wise statements from 2015 are in the company report.
The GSTIN of Satin Creditcare Network is 07AAACS0044B2Z3, registered in Delhi. The company has 37 GST registrations in all, of which 32 are active and 5 are cancelled or inactive. Other active GSTINs include 07AAACS0044B3Z2 (Delhi), 03AAACS0044B1ZC (Punjab), 05AAACS0044B1Z8 (Uttarakhand).
The CIN (Corporate Identification Number) of Satin Creditcare Network is L65991DL1990PLC041796. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. Satin Creditcare Network is a listed company as per MCA records. Its shares are listed on both BSE (code: 539404) and NSE (symbol: SATIN).
Satin Creditcare Network has 2,884 court cases on record: 2,813 filed by the company and 71 filed against it. 386 are pending. Most are in the district courts.
Satin Creditcare Network was incorporated on 16 October 1990, making it 36+ years old. It is registered with the Registrar of Companies, Delhi.
Satin Creditcare Network has 78 deals on record (27 market trades, 21 funding rounds, 17 secondary share transfers), with disclosed funding of ₹2,872.47 Cr; the latest was in May 2026.
The peers of Satin Creditcare Network by revenue are SK Finance Limited, Northern Arc Capital Limited, Icm Finance Private Limited, Wadhawan Global Capital Limited, Belstar Microfinance Limited and 2 more, all in the BFSI industry (Large NBFC, Micro Finance Institutions, Systemically Important Non Deposit NBFC), with the same principal business activity (other financial activities).
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