About Satin Creditcare Network Limited
Data last updated: 21 January 2026
Satin Creditcare Network Limited is a public limited company based in Delhi, Delhi, India. It specialises in non-banking financial services (NBFC), a part of the broader financial services sector. Incorporated on 16 October 1990, the company has been in operation for over 36 years.
Registered with ROC Delhi under CIN L65991DL1990PLC041796. Listed on BSE: 539404 and NSE: SATIN.
Capital: an authorised share capital of ₹200 Cr and a paid-up capital of ₹110.47 Cr. Formerly known as Satin Leasing and Finance Private Limited and Satin Leasing and Finance Limited. It is led by directors including Jyoti Davar and Harvinder Pal Singh.
Last AGM: 07 August 2025. Financial statements filed for year ended 31 March 2025. Office: 5Th Floor Kundan Bhawan Azadpur Commercial Complex Azadpur, Delhi, Delhi, India – 110033.
As per the financials filed for FY 2024, the company reported a revenue of ₹2,240.53 Cr, a growth of 44% compared to the previous year.
The company has a workforce of approximately 14,866 employees as per the latest available data. Its group structure includes 2 subsidiaries.
The company is associated with 3 brands - Loandost, Satin Creditcare, Satin Finserv. As per MCA filings, the company has open charges of ₹12,030 Cr and satisfied charges of ₹22,393 Cr on record.
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.
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Email*****@*****.com
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Telephone+91-****-******
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Website
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Social Media
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Registered Address5Th Floor Kundan Bhawan Azadpur Commercial Complex Azadpur, Delhi, Delhi, India – 110033
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IndustryFinancial Services, NBFC, Microfinance Institutions
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Satin Creditcare Network Limited
Satin Creditcare Network Limited 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, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Satin Creditcare Network Limited | Current |
| Satin Leasing And Finance Private Limited | Previous |
| Satin Leasing And Finance Limited | Previous |
Associated Brands with Satin Creditcare Network Limited
Satin Creditcare Network Limited operates multiple associated brands including LoanDost, Satin Creditcare, and Satin Finserv. These brands represent Satin Creditcare Network Limited's diversified market presence and brand portfolio.
| 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 |
Competitors & Alternatives of Satin Creditcare Network Limited
Brands and companies operating in the same space as Satin Creditcare Network Limited include AU Small Finance Bank, Ujjivan Small Finance Bank, ESAF and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
AU Small Finance Bank
|
Collateralised loans for commercial vehicles are extended to rural entrepreneurs. | Jaipur, India, India | 1996 |
Ujjivan Small Finance Bank
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Small finance services are extended to underserved segments in India. | Bengaluru, India, India | 2005 |
ESAF
|
Microfinance banking services are offered in India by ESAF. | Thrissur, India, India | 1992 |
Stashfin
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Digital lending and instant credit lines are provided to individuals. | Gurugram, India, India | 2016 |
Jana Small Finance Bank
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Microfinance bank | Bengaluru, India, India | 1999 |
Suryoday
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Small finance bank offering savings accounts, deposits, and loan products | Mumbai, India, India | 2008 |
Equitas Small Finance Bank
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Small finance bank | Chennai, India, India | 2007 |
Manappuram Finance
|
Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
Utkarsh Bank
|
Small finance bank | Varanasi, India, India | 2009 |
L & T Finance Holdings
|
Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Business Activity of Satin Creditcare Network Limited
Satin Creditcare Network Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | ********* |
Auditor Details of Satin Creditcare Network Limited
Satin Creditcare Network Limited is audited by M/s. J C Bhalla & Co. (ICAI peer reviewed, certificate valid till 2027-12-31) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| M/s. J C Bhalla & Co. (ICAI peer reviewed, certificate valid till 2027-12-31) | FY 2026 | Declaration of unmodified opinion |
Board of Directors of Satin Creditcare Network Limited
Satin Creditcare Network Limited is currently managed by 8 directors, with 37 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
|
Jyoti Davar
Also directs:
R R Kabel Limited, Walter Infra Manager Private Limited, Nxt - Infra Mcp Highways Private Limited and 1 more
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Director | 31 Jul 2024 | 1 Years 11 Months | Current |
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Harvinder Pal Singh
Also directs:
Satin Technologies Limited, Satin Housing Finance Limited, Satin Finserv Limited and 2 more
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Managing Director | 16 Oct 1990 | 35 Years 8 Months | Current |
| Satvinder Singh | Director | 16 Oct 1990 | 35 Years 8 Months | Current |
| Joydeep Dattagupta | Director | 24 Jun 2024 | 2 Years 0 Months | Current |
| Ashok Kumar Sharma | Additional Director | 27 Jun 2025 | 1 Years 0 Months | Current |
| Anupam Kunal Gangaher | Director | 27 Jun 2025 | 1 Years 0 Months | Current |
Financials of Satin Creditcare Network Limited FY 2026 filings available
Satin Creditcare Network Limited reported revenue of ₹3,143.03 Cr (up 21.13% YoY) for FY 2026. Profit growth despite declining revenue indicates effective cost management and margin discipline.
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹3,143.03 Cr | ₹2,594.69 Cr | ₹2,232.79 Cr | ₹1,557.29 Cr | ₹1,376.8 Cr | ₹1,375.7 Cr | ₹1,499.52 Cr |
| Interest Earned | ₹2,462.55 Cr | ₹2,302.85 Cr | ₹1,881.76 Cr | ₹1,248.97 Cr | ₹1,227.73 Cr | ₹1,167.16 Cr | ₹1,110.01 Cr |
| Other Income | ₹17.84 Cr | ₹7.22 Cr | ₹7.74 Cr | ₹1.73 Cr | ₹4.09 Cr | ₹4.48 Cr | ₹3.92 Cr |
| Total Income | ₹3,160.87 Cr | ₹2,601.91 Cr | ₹2,240.53 Cr | ₹1,559.02 Cr | ₹1,380.89 Cr | ₹1,380.18 Cr | ₹1,503.43 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹686.35 Cr | ₹586.31 Cr | ₹447.91 Cr | ₹387.6 Cr | ₹393.12 Cr | ₹337.33 Cr | ₹351.35 Cr |
| Finance Costs | ₹1,311.4 Cr | ₹1,048.61 Cr | ₹901.02 Cr | ₹616.73 Cr | ₹625.91 Cr | ₹637.87 Cr | ₹586.09 Cr |
| Depreciation & Amortisation | ₹30.29 Cr | ₹27.27 Cr | ₹22.66 Cr | ₹18.39 Cr | ₹15.74 Cr | ₹15.08 Cr | ₹17.54 Cr |
| Other Expenses | ₹205.83 Cr | ₹183.51 Cr | ₹135.25 Cr | ₹122.97 Cr | ₹131.21 Cr | ₹114.46 Cr | ₹145.03 Cr |
| Total Expenses | ₹2,728.82 Cr | ₹2,366.14 Cr | ₹1,657.64 Cr | ₹1,553.78 Cr | ₹1,346.72 Cr | ₹1,389.93 Cr | ₹1,291.81 Cr |
| Profit Before Exceptional Items & Tax | ₹432.05 Cr | ₹235.77 Cr | ₹582.89 Cr | ₹5.24 Cr | ₹34.18 Cr | -₹9.75 Cr | ₹211.63 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹432.05 Cr | ₹235.77 Cr | ₹582.89 Cr | ₹5.24 Cr | ₹34.18 Cr | -₹9.75 Cr | ₹211.63 Cr |
| Total Tax Expense | ₹99.84 Cr | ₹49.64 Cr | ₹146.95 Cr | ₹42.76 Lakh | ₹13.48 Cr | ₹4.23 Cr | ₹56.65 Cr |
| Net Profit | ₹332.21 Cr | ₹186.13 Cr | ₹435.94 Cr | ₹4.81 Cr | ₹20.7 Cr | -₹13.98 Cr | ₹154.97 Cr |
| attributable to Owners | ₹332.19 Cr | ₹186.13 Cr | - | ₹4.81 Cr | - | -₹13.98 Cr | ₹154.97 Cr |
| attributable to NCI | ₹2.27 Lakh | - | - | - | - | ₹0 | ₹0 |
| Other Comprehensive Income | -₹13.36 Cr | -₹44.36 Cr | ₹6.07 Cr | -₹20.67 Cr | -₹29.15 Cr | -₹34.92 Cr | ₹44.82 Cr |
| Total Comprehensive Income | ₹318.85 Cr | ₹141.77 Cr | ₹442.01 Cr | -₹15.85 Cr | -₹8.45 Cr | -₹48.9 Cr | ₹199.8 Cr |
| EBITDA (computed) | ₹1,773.75 Cr | ₹1,311.64 Cr | ₹1,506.57 Cr | ₹640.37 Cr | ₹675.83 Cr | ₹643.19 Cr | ₹815.25 Cr |
| Basic EPS | ₹30.20 | ₹16.92 | ₹44.34 | ₹0.62 | ₹2.96 | ₹-2.26 | ₹30.43 |
| Diluted EPS | ₹30.20 | ₹16.92 | ₹43.27 | ₹0.59 | ₹2.72 | ₹-2.26 | ₹30.27 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Total Assets | ₹14,387 Cr | ₹11,587 Cr | ₹10,490 Cr | ₹7,849.57 Cr |
| Property, Plant & Equipment | ₹110.65 Cr | ₹96.73 Cr | ₹91.7 Cr | ₹86.82 Cr |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹1,505.81 Cr | ₹729.05 Cr | ₹424.05 Cr | ₹257.71 Cr |
| Equity (Net Worth) | ₹2,867.52 Cr | ₹2,542.86 Cr | ₹2,400.85 Cr | ₹1,628.12 Cr |
| Equity Share Capital | ₹110.04 Cr | ₹110.04 Cr | ₹110.04 Cr | ₹84.8 Cr |
| Total Liabilities | ₹11,519 Cr | ₹9,044.13 Cr | - | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Operating Cash Flow | -₹973.81 Cr | -₹563.4 Cr | -₹2,068.89 Cr | -₹956.34 Cr | ₹336.17 Cr |
| Investing Cash Flow | -₹122.93 Cr | -₹45.39 Cr | -₹28.23 Cr | -₹72.9 Cr | -₹50.8 Cr |
| Financing Cash Flow | ₹1,873.5 Cr | ₹913.81 Cr | ₹2,263.46 Cr | ₹389.87 Cr | -₹442.42 Cr |
| Capital Expenditure | ₹24.71 Cr | ₹19.5 Cr | ₹12.81 Cr | ₹9.69 Cr | ₹5.94 Cr |
| Free Cash Flow (computed) | -₹998.52 Cr | -₹582.91 Cr | -₹2,081.7 Cr | -₹966.03 Cr | ₹330.23 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹776.76 Cr | ₹305.02 Cr | ₹166.34 Cr | -₹639.37 Cr | -₹157.05 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹919.5 Cr | ₹747.47 Cr | ₹787.89 Cr | ₹708.58 Cr | ₹621.06 Cr | ₹684.07 Cr | ₹656.9 Cr | ₹632.66 Cr | ₹642.11 Cr | ₹595.57 Cr | ₹537.61 Cr | ₹462.33 Cr |
| Interest Earned | ₹631.09 Cr | ₹613.95 Cr | ₹620.64 Cr | ₹620.69 Cr | ₹589.11 Cr | - | ₹576.75 Cr | - | ₹529.25 Cr | ₹498.99 Cr | ₹443.9 Cr | ₹409.62 Cr |
| Other Income | ₹3.05 Cr | ₹5.2 Cr | ₹4.91 Cr | ₹4.69 Cr | ₹1.44 Cr | ₹3.52 Cr | ₹56.4 Lakh | ₹1.69 Cr | ₹4.77 Cr | ₹70.93 Lakh | ₹87.3 Lakh | ₹1.38 Cr |
| Total Income | ₹922.55 Cr | ₹752.68 Cr | ₹792.8 Cr | ₹713.27 Cr | ₹622.5 Cr | ₹687.59 Cr | ₹657.46 Cr | ₹634.35 Cr | ₹646.88 Cr | ₹596.28 Cr | ₹538.48 Cr | ₹463.72 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹189.28 Cr | ₹173.45 Cr | ₹172.84 Cr | ₹161.79 Cr | ₹168.1 Cr | ₹149.93 Cr | ₹143.34 Cr | ₹124.94 Cr | ₹116.83 Cr | ₹116.33 Cr | ₹110.38 Cr | ₹104.37 Cr |
| Finance Costs | ₹380.84 Cr | ₹289.19 Cr | ₹344.28 Cr | ₹297.1 Cr | ₹263.68 Cr | ₹267.83 Cr | ₹266.09 Cr | ₹251 Cr | ₹251.95 Cr | ₹246.9 Cr | ₹216.69 Cr | ₹185.48 Cr |
| Depreciation & Amortisation | ₹9.08 Cr | ₹8.15 Cr | ₹6.86 Cr | ₹6.21 Cr | ₹7.58 Cr | ₹7.3 Cr | ₹6.7 Cr | ₹5.69 Cr | ₹6.39 Cr | ₹5.85 Cr | ₹6.05 Cr | ₹4.37 Cr |
| Other Expenses | ₹53.15 Cr | ₹58.09 Cr | ₹56.79 Cr | ₹47.21 Cr | ₹55.16 Cr | ₹45.03 Cr | ₹42.36 Cr | ₹40.97 Cr | ₹33.56 Cr | ₹38.87 Cr | ₹31.65 Cr | ₹31.17 Cr |
| Total Expenses | ₹710.39 Cr | ₹659.56 Cr | ₹724.1 Cr | ₹655.19 Cr | ₹604.28 Cr | ₹672.64 Cr | ₹595.89 Cr | ₹493.34 Cr | ₹475.81 Cr | ₹445.1 Cr | ₹395.4 Cr | ₹346.17 Cr |
| Profit Before Exceptional Items & Tax | ₹212.16 Cr | ₹93.12 Cr | ₹68.7 Cr | ₹58.08 Cr | ₹18.23 Cr | ₹14.95 Cr | ₹61.58 Cr | ₹141.01 Cr | ₹171.08 Cr | ₹151.18 Cr | ₹143.09 Cr | ₹117.54 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹212.16 Cr | ₹93.12 Cr | ₹68.7 Cr | ₹58.08 Cr | ₹18.23 Cr | ₹14.95 Cr | ₹61.58 Cr | ₹141.01 Cr | ₹171.08 Cr | ₹151.18 Cr | ₹143.09 Cr | ₹117.54 Cr |
| Total Tax Expense | ₹50.11 Cr | ₹21.21 Cr | ₹15.54 Cr | ₹12.98 Cr | -₹3.66 Cr | ₹69 Lakh | ₹16.88 Cr | ₹35.73 Cr | ₹42.86 Cr | ₹38.11 Cr | ₹36.31 Cr | ₹29.67 Cr |
| Net Profit | ₹162.05 Cr | ₹71.91 Cr | ₹53.16 Cr | ₹45.1 Cr | ₹21.89 Cr | ₹14.26 Cr | ₹44.69 Cr | ₹105.28 Cr | ₹128.22 Cr | ₹113.07 Cr | ₹106.78 Cr | ₹87.87 Cr |
| attributable to Owners | ₹162.02 Cr | ₹71.91 Cr | ₹53.16 Cr | ₹45.1 Cr | ₹21.89 Cr | ₹14.26 Cr | ₹44.69 Cr | ₹105.28 Cr | - | ₹113.07 Cr | ₹106.78 Cr | ₹87.87 Cr |
| attributable to NCI | ₹2.27 Lakh | - | - | ₹0 | - | ₹0 | ₹0 | ₹0 | - | ₹0 | ₹0 | ₹0 |
| Other Comprehensive Income | ₹7.07 Cr | ₹36.46 Lakh | -₹3.91 Cr | -₹16.88 Cr | -₹33.2 Cr | -₹1.25 Cr | -₹10.88 Cr | ₹97.42 Lakh | ₹7.1 Cr | ₹9.29 Cr | ₹1.15 Cr | -₹11.48 Cr |
| Total Comprehensive Income | ₹169.11 Cr | ₹72.27 Cr | ₹49.24 Cr | ₹28.22 Cr | -₹11.31 Cr | ₹13.01 Cr | ₹33.81 Cr | ₹106.25 Cr | ₹135.32 Cr | ₹122.36 Cr | ₹107.93 Cr | ₹76.4 Cr |
| EBITDA (computed) | ₹602.08 Cr | ₹390.45 Cr | ₹419.83 Cr | ₹361.39 Cr | ₹289.49 Cr | ₹290.08 Cr | ₹334.36 Cr | ₹397.71 Cr | ₹429.42 Cr | ₹403.93 Cr | ₹365.82 Cr | ₹307.4 Cr |
| Basic EPS | ₹14.73 | ₹6.54 | ₹4.83 | ₹4.10 | ₹1.99 | ₹1.30 | ₹4.06 | ₹9.57 | ₹11.66 | ₹11.23 | ₹10.93 | ₹10.23 |
| Diluted EPS | ₹14.73 | ₹6.54 | ₹4.83 | ₹4.10 | ₹1.99 | ₹1.30 | ₹4.06 | ₹9.57 | ₹11.66 | ₹11.23 | ₹10.93 | ₹9.91 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹2,822.44 Cr | ₹2,373.48 Cr | ₹2,048.79 Cr | ₹1,761.05 Cr | ₹1,261.7 Cr | ₹1,271.03 Cr | ₹1,399.57 Cr |
| Interest Earned | ₹2,214.38 Cr | ₹2,106.37 Cr | ₹1,748.76 Cr | ₹1,160.08 Cr | ₹1,170.11 Cr | ₹1,116.86 Cr | ₹1,078.44 Cr |
| Other Income | ₹2.19 Cr | ₹3.28 Cr | ₹1.86 Cr | ₹49.18 Lakh | ₹23.34 Lakh | ₹2.05 Cr | ₹1.33 Cr |
| Total Income | ₹2,824.62 Cr | ₹2,376.76 Cr | ₹2,050.65 Cr | ₹1,761.54 Cr | ₹1,261.93 Cr | ₹1,273.08 Cr | ₹1,400.9 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹587.17 Cr | ₹507.32 Cr | ₹365.7 Cr | ₹316.32 Cr | ₹324.42 Cr | ₹281.42 Cr | ₹296.67 Cr |
| Finance Costs | ₹1,179.07 Cr | ₹949.76 Cr | ₹832.84 Cr | ₹576.02 Cr | ₹601.6 Cr | ₹617.61 Cr | ₹573.68 Cr |
| Depreciation & Amortisation | ₹25.83 Cr | ₹23.6 Cr | ₹19.98 Cr | ₹16.2 Cr | ₹13.43 Cr | ₹13.01 Cr | ₹15.2 Cr |
| Other Expenses | ₹176.85 Cr | ₹159.91 Cr | ₹121.8 Cr | ₹109.71 Cr | ₹87.7 Cr | ₹89.13 Cr | ₹113.36 Cr |
| Total Expenses | ₹2,430.95 Cr | ₹2,143.78 Cr | ₹1,484.8 Cr | ₹1,420.54 Cr | ₹1,202.57 Cr | ₹1,282.84 Cr | ₹1,187.74 Cr |
| Profit Before Exceptional Items & Tax | ₹393.68 Cr | ₹232.98 Cr | ₹565.85 Cr | ₹341 Cr | ₹59.36 Cr | -₹9.76 Cr | ₹213.17 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹393.68 Cr | ₹232.98 Cr | ₹565.85 Cr | ₹341 Cr | ₹59.36 Cr | -₹9.76 Cr | ₹213.17 Cr |
| Total Tax Expense | ₹91.6 Cr | ₹16.42 Cr | ₹143.01 Cr | ₹76.67 Cr | ₹19.14 Cr | ₹3.79 Cr | ₹56.9 Cr |
| Net Profit | ₹302.08 Cr | ₹216.56 Cr | ₹422.84 Cr | ₹264.33 Cr | ₹40.23 Cr | -₹13.55 Cr | ₹156.27 Cr |
| Other Comprehensive Income | -₹16.66 Cr | -₹41.07 Cr | -₹6.45 Lakh | -₹19.05 Cr | -₹29.22 Cr | -₹34.74 Cr | ₹44.54 Cr |
| Total Comprehensive Income | ₹285.42 Cr | ₹175.49 Cr | ₹422.78 Cr | ₹245.28 Cr | ₹11.01 Cr | -₹48.29 Cr | ₹200.81 Cr |
| EBITDA (computed) | ₹1,598.58 Cr | ₹1,206.34 Cr | ₹1,418.67 Cr | ₹933.23 Cr | ₹674.39 Cr | ₹620.86 Cr | ₹802.05 Cr |
| Basic EPS | ₹27.46 | ₹19.69 | ₹43.01 | ₹33.79 | ₹5.76 | ₹-2.19 | ₹30.69 |
| Diluted EPS | ₹27.46 | ₹19.69 | ₹41.97 | ₹32.30 | ₹5.29 | ₹-2.19 | ₹30.52 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Total Assets | ₹13,196 Cr | ₹10,886 Cr | ₹10,083 Cr | ₹7,645.4 Cr |
| Property, Plant & Equipment | ₹92.46 Cr | ₹88.11 Cr | ₹86.41 Cr | ₹83.29 Cr |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹1,382.68 Cr | ₹640.25 Cr | ₹356.3 Cr | ₹213.35 Cr |
| Equity (Net Worth) | ₹3,128.83 Cr | ₹2,843.28 Cr | ₹2,667.34 Cr | ₹1,913.72 Cr |
| Equity Share Capital | ₹110.04 Cr | ₹110.04 Cr | ₹110.04 Cr | ₹84.8 Cr |
| Total Liabilities | ₹10,067 Cr | ₹8,043.03 Cr | - | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Operating Cash Flow | -₹377.46 Cr | -₹258.11 Cr | -₹1,783.84 Cr | -₹736.48 Cr | ₹465.16 Cr |
| Investing Cash Flow | -₹310.12 Cr | -₹103.01 Cr | -₹86.73 Cr | -₹111.35 Cr | -₹54.61 Cr |
| Financing Cash Flow | ₹1,430 Cr | ₹645.08 Cr | ₹2,013.52 Cr | ₹206.36 Cr | -₹566.51 Cr |
| Capital Expenditure | ₹21.41 Cr | ₹15.5 Cr | ₹10.84 Cr | ₹7.98 Cr | ₹4.68 Cr |
| Free Cash Flow (computed) | -₹398.87 Cr | -₹273.6 Cr | -₹1,794.68 Cr | -₹744.46 Cr | ₹460.48 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹742.43 Cr | ₹283.97 Cr | ₹142.95 Cr | -₹641.47 Cr | -₹155.97 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹811.57 Cr | ₹669.87 Cr | ₹715.9 Cr | ₹641.43 Cr | ₹559.8 Cr | ₹631.3 Cr | ₹600.46 Cr | ₹581.92 Cr | ₹592.58 Cr | ₹547.44 Cr | ₹491.69 Cr | ₹421.92 Cr |
| Interest Earned | ₹563.68 Cr | ₹549.36 Cr | ₹560.46 Cr | ₹560.62 Cr | ₹530.75 Cr | - | ₹531.63 Cr | - | ₹491.6 Cr | ₹464.41 Cr | ₹413.43 Cr | ₹379.33 Cr |
| Other Income | ₹55.86 Lakh | ₹55.9 Lakh | ₹50.36 Lakh | ₹56.45 Lakh | ₹1.87 Cr | ₹77.29 Lakh | ₹44.92 Lakh | ₹19.37 Lakh | ₹1.34 Cr | ₹16.64 Lakh | ₹24.19 Lakh | ₹11.85 Lakh |
| Total Income | ₹812.13 Cr | ₹670.43 Cr | ₹716.41 Cr | ₹642 Cr | ₹561.67 Cr | ₹632.07 Cr | ₹600.91 Cr | ₹582.11 Cr | ₹593.92 Cr | ₹547.61 Cr | ₹491.94 Cr | ₹422.04 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹160.54 Cr | ₹148.25 Cr | ₹149.15 Cr | ₹140.16 Cr | ₹147.2 Cr | ₹130.2 Cr | ₹124.15 Cr | ₹105.77 Cr | ₹98.19 Cr | ₹93.96 Cr | ₹88.35 Cr | ₹85.19 Cr |
| Finance Costs | ₹343.48 Cr | ₹256.34 Cr | ₹312.52 Cr | ₹266.73 Cr | ₹235.57 Cr | ₹242.02 Cr | ₹242.68 Cr | ₹229.49 Cr | ₹232.85 Cr | ₹229.57 Cr | ₹200.31 Cr | ₹170.11 Cr |
| Depreciation & Amortisation | ₹7.47 Cr | ₹7.02 Cr | ₹5.97 Cr | ₹5.37 Cr | ₹6.6 Cr | ₹6.32 Cr | ₹5.67 Cr | ₹5.01 Cr | ₹5.62 Cr | ₹5.14 Cr | ₹5.28 Cr | ₹3.94 Cr |
| Other Expenses | ₹44.38 Cr | ₹48.47 Cr | ₹48.94 Cr | ₹40.47 Cr | ₹46.09 Cr | ₹41.46 Cr | ₹37.27 Cr | ₹35.09 Cr | ₹25.73 Cr | ₹37.73 Cr | ₹30.59 Cr | ₹27.74 Cr |
| Total Expenses | ₹631.23 Cr | ₹579.17 Cr | ₹649.52 Cr | ₹587.37 Cr | ₹540.67 Cr | ₹615.06 Cr | ₹543.48 Cr | ₹444.58 Cr | ₹426.55 Cr | ₹402.34 Cr | ₹353.59 Cr | ₹307.17 Cr |
| Profit Before Exceptional Items & Tax | ₹180.9 Cr | ₹91.26 Cr | ₹66.89 Cr | ₹54.63 Cr | ₹21 Cr | ₹17.01 Cr | ₹57.43 Cr | ₹137.54 Cr | ₹167.36 Cr | ₹145.27 Cr | ₹138.35 Cr | ₹114.87 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹180.9 Cr | ₹91.26 Cr | ₹66.89 Cr | ₹54.63 Cr | ₹21 Cr | ₹17.01 Cr | ₹57.43 Cr | ₹137.54 Cr | ₹167.36 Cr | ₹145.27 Cr | ₹138.35 Cr | ₹114.87 Cr |
| Total Tax Expense | ₹43.95 Cr | ₹20.61 Cr | ₹15.01 Cr | ₹12.03 Cr | -₹20.05 Cr | -₹14.33 Cr | ₹15.87 Cr | ₹34.93 Cr | ₹42.08 Cr | ₹36.88 Cr | ₹35.08 Cr | ₹28.96 Cr |
| Net Profit | ₹136.95 Cr | ₹70.65 Cr | ₹51.88 Cr | ₹42.6 Cr | ₹41.05 Cr | ₹31.35 Cr | ₹41.56 Cr | ₹102.61 Cr | ₹125.28 Cr | ₹108.38 Cr | ₹103.27 Cr | ₹85.91 Cr |
| Other Comprehensive Income | ₹4.2 Cr | -₹41.85 Lakh | -₹4.6 Cr | -₹15.84 Cr | -₹27.85 Cr | ₹3 Lakh | -₹12.86 Cr | -₹39.57 Lakh | ₹5.59 Cr | ₹6.57 Cr | -₹2.9 Cr | -₹9.32 Cr |
| Total Comprehensive Income | ₹141.15 Cr | ₹70.23 Cr | ₹47.28 Cr | ₹26.76 Cr | ₹13.19 Cr | ₹31.38 Cr | ₹28.7 Cr | ₹102.22 Cr | ₹130.88 Cr | ₹114.95 Cr | ₹100.36 Cr | ₹76.59 Cr |
| EBITDA (computed) | ₹531.86 Cr | ₹354.62 Cr | ₹385.37 Cr | ₹326.73 Cr | ₹263.17 Cr | ₹265.35 Cr | ₹305.78 Cr | ₹372.04 Cr | ₹405.83 Cr | ₹379.98 Cr | ₹343.94 Cr | ₹288.92 Cr |
| Basic EPS | ₹12.45 | ₹6.42 | ₹4.72 | ₹3.87 | ₹3.73 | ₹2.85 | ₹3.78 | ₹9.33 | ₹11.39 | ₹10.76 | ₹10.57 | ₹10.00 |
| Diluted EPS | ₹12.45 | ₹6.42 | ₹4.72 | ₹3.87 | ₹3.73 | ₹2.85 | ₹3.78 | ₹9.33 | ₹11.39 | ₹10.76 | ₹10.57 | ₹9.69 |
Shareholding Pattern of Satin Creditcare Network Limited
As per the shareholding pattern filed with NSE for the quarter ended Mar 2026, promoters hold 36.17%, foreign institutional investors hold 3.51%, domestic institutional investors hold 5.30%, retail and other public shareholders hold 54.58% of Satin Creditcare Network Limited. The company had 44,277 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% |
| Public | 63.39% | 63.39% | 63.39% | 63.39% | 63.39% | 63.39% |
| Employee Trusts | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% |
| Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 36.17% | 36.17% | 36.17% | 39.45% | 36.69% | 38.21% | 30.19% | 27.94% | 27.42% | 33.04% | 36.19% |
| Public | 63.39% | 63.39% | 63.39% | 59.98% | 62.67% | 61.12% | 69.14% | 71.25% | 71.68% | 65.76% | 63.81% |
| Employee Trusts | 0.44% | 0.44% | 0.44% | 0.57% | 0.64% | 0.67% | 0.67% | 0.81% | 0.90% | 1.20% | 0.00% |
| Promoter change (YoY, %pts) | +0.00 | +0.00 | -3.28 | +2.76 | -1.52 | +8.02 | +2.25 | +0.52 | -5.62 | -3.15 | - |
Board & Governance of Satin Creditcare Network Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Satin Creditcare Network Limited has 6 directors - 4 independent and 1 executive. The board is chaired by HARVINDER PAL SINGH.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| HARVINDER PAL SINGH | Executive Director · MD · Chairperson | 1990-10-16 | 1 |
| SATVINDER SINGH | Non-Executive - Non Independent Director | 1990-10-16 | 1 |
| JOYDEEP DATTAGUPTA | Non-Executive - Independent Director | 2024-06-24 | 1 |
| JYOTI DAVAR VIJ | Non-Executive - Independent Director | 2024-07-31 | 2 |
| ASHOK KUMAR SHARMA | Non-Executive - Independent Director | 2025-06-27 | 1 |
| ANUPAM KUNAL GANGAHER | Non-Executive - Independent Director | 2025-06-27 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | ANUPAM KUNAL GANGAHER (Chairperson), SATVINDER SINGH, JOYDEEP DATTAGUPTA, JYOTI DAVAR VIJ |
| Nomination and remuneration committee | ANUPAM KUNAL GANGAHER (Chairperson), HARVINDER PAL SINGH, JOYDEEP DATTAGUPTA, ASHOK KUMAR SHARMA |
| Stakeholders Relationship Committee | SATVINDER SINGH (Chairperson), HARVINDER PAL SINGH, ASHOK KUMAR SHARMA |
| Risk Management Committee | ASHOK KUMAR SHARMA (Chairperson), SATVINDER SINGH, JYOTI DAVAR VIJ |
| Corporate Social Responsibility Committee | HARVINDER PAL SINGH (Chairperson), SATVINDER SINGH, JYOTI DAVAR VIJ, ANUPAM KUNAL GANGAHER |
Group Structure of Satin Creditcare Network Limited
Satin Creditcare Network Limited has 2 subsidiary companies. This group structure data is as of FY 2024. The corporate group structure reflects Satin Creditcare Network Limited's business expansion strategy and organizational complexity.
| Company Name | CIN | Shares Held |
|---|---|---|
| Satin Housing Finance Limited | U65929DL2017PLC316143 | - |
| Satin Finserv Limited | U65999HR2018PLC099128 | - |
Showing major subsidiaries. Total: 2.
Charges & Borrowings of Satin Creditcare Network Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 22 Dec 2025 | Axis Bank Limited | ₹150 Cr | Open |
| 15 Dec 2025 | Others | ₹75 Cr | Open |
| 10 Dec 2025 | Others | ₹150 Cr | Open |
| 28 Nov 2025 | Indian Overseas Bank | ₹15 Lakh | Open |
| 27 Nov 2025 | Others | ₹75 Cr | Open |
Total charge records: 853 View all charges
Employees and EPFO Compliance at Satin Creditcare Network Limited
Satin Creditcare Network Limited has a workforce of 14,866 employees as of Jan 21, 2026.
Employee Count & EPFO Data of Satin Creditcare Network Limited
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GST Compliance of Satin Creditcare Network Limited
GSTIN & GST Filing Data of Satin Creditcare Network Limited
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Credit Ratings, Litigation & Regulatory Alerts for Satin Creditcare Network Limited
Credit Ratings, Legal Cases & Regulatory Alerts of Satin Creditcare Network Limited
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MSME Payment Delays by Satin Creditcare Network Limited
MSME Payment Delays by Satin Creditcare Network Limited
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Subsidiaries & Group Companies of Satin Creditcare Network Limited
Subsidiaries & Group Companies of Satin Creditcare Network Limited
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MCA Filings & Documents of Satin Creditcare Network Limited
MCA Filings & Documents of Satin Creditcare Network Limited
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Recent Activity on Satin Creditcare Network Limited
Recent News on Satin Creditcare Network Limited
Frequently Asked Questions about Satin Creditcare Network Limited
Satin Creditcare Network Limited is an active public limited company in the financial services sector based in Delhi, Delhi, India. It was incorporated on 16 October 1990 (36+ years old) and is registered under CIN L65991DL1990PLC041796. Listed on BSE: 539404 and NSE: SATIN. The company has 14,866 employees.
Satin Creditcare Network Limited reported revenue of ₹2,240.53 Cr for FY 2024 (up 44.00% YoY).
The current directors of Satin Creditcare Network Limited are:
- Jyoti Davar
- Harvinder Pal Singh
- Satvinder Singh
- Vikas Gupta
- Joydeep Dattagupta
- Ashok Kumar Sharma
- Manoj Agrawal
- Anupam Kunal Gangaher
The primary industry of Satin Creditcare Network Limited is financial services. The company specifically operates in nbfc. The company is currently active in this sector.
Yes. Satin Creditcare Network Limited is listed on both BSE (code: 539404) and NSE (symbol: SATIN).
Satin Creditcare Network Limited can be reached at the registered office: 5Th Floor Kundan Bhawan Azadpur Commercial Complex Azadpur, Delhi, Delhi, India – 110033, or through the website satincreditcare.com.