News ArticleSatin Creditcare Posts ₹299 Crores Consolidated PAT in H1FY27 with 31% AUM Growth and Strong Asset Quality
Company's Q2FY27 highest profitability quarter sees GNPA decline to 1.94%, ₹2,630 Crores raised via debt with capital adequacy at 27.89%
Satin Creditcare Network Limited announced strong unaudited consolidated financial results for H1FY27, posting a profit after tax of ₹299 Crores, nearing FY26 full-year profits. The company reported a 31% increase in Assets under Management to ₹16,589 Crores, reduction in GNPA to 1.94%, and raised ₹2,630 Crores via debt instruments while maintaining robust capitalization and liquidity.
Satin Creditcare Network Limited
General / Other
Satin Creditcare Network Limited reported a consolidated profit after tax of ₹299 Crores in the half year ended September 30, 2026 (H1FY27), nearly matching its full-year profit for FY26. The company achieved 31% growth in Assets under Management and strengthened its asset quality with reduced GNPA and improved collection efficiency.
The company's Assets under Management (AUM) increased to ₹16,589 Crores in H1FY27 from ₹12,687 Crores in H1FY26, a 31% rise. Disbursements grew 48% to ₹7,192 Crores for the half-year.
Total revenue reached ₹1,760 Crores, marking a 27% increase, while pre-provision operating profit rose 43% to ₹592 Crores.
Profit after tax surged nearly 204% year-on-year to ₹299 Crores, with Q2FY27 delivering the highest ever quarterly profit of ₹176 Crores.
Asset quality improved significantly with on-book Gross Non-Performing Assets (GNPA) declining to 1.94% in Q2FY27 from 2.18% in the previous quarter and Collection Efficiency remaining strong at 99.8%.
Credit costs reduced to 2.47%, and the company maintained a management overlay provision of ₹50 Crores, above RBI requirements, reflecting prudent risk management practices.
Highlights
- Assets under Management grew 31% year-over-year to ₹16,589 Crores in H1FY27.
- Profit After Tax (PAT) reached ₹299 Crores for H1FY27, a 204% increase over prior year.
- Q2FY27 marks highest-ever quarterly profitability of ₹176 Crores.
- Gross Non-Performing Assets (GNPA) reduced to 1.94% with Stage 3 coverage ratio improving to 91%.
- Raised approximately ₹2,630 Crores in Q2 via diversified debt instruments; marginal borrowing cost decreased to 10.28%.
- Capital Adequacy Ratio stands robust at 27.89%; book value per share is ₹287.21 consolidated.
Key Data Snapshot
What happened
- Satin Creditcare posted consolidated profit after tax of ₹299 Crores for H1FY27, almost equaling the entire FY26 profit of ₹332 Crores.
- Q2FY27 recorded the company's highest ever quarterly profit of ₹176 Crores.
- Assets under Management increased by 31% year-on-year to ₹16,589 Crores in H1FY27.
- Disbursements for H1FY27 grew 48% to ₹7,192 Crores compared to prior year.
- The company raised approximately ₹2,630 Crores in Q2FY27 through diversified debt instruments.
Key details
- Gross Non-Performing Assets (GNPA) reduced to 1.94% in Q2FY27 from 2.18% in Q1FY27, indicating improved asset quality.
- PAR 1 (Portfolio at Risk) improved to 2.92% in Q2FY27 from 5.79% in Q2FY26 on a standalone basis.
- Credit cost for H1FY27 was 2.47%, lowering by 236 basis points year-on-year; excluding management overlay the credit cost stood at 0.99%.
- Borrowing mix is well diversified with 73% from banks, 12% from overseas funds, 10% from Development Financial Institutions, and 6% from NBFCs.
- The company maintains a strong capital adequacy ratio of 27.89% and robust liquidity with ₹2,235 Crores of cash and undrawn sanctions of approximately ₹4,600 Crores.
Business impact
- Steady growth across subsidiaries: Satin Housing Finance grew AUM by 19.25% to ₹1,219 Crores; MSME lending platform's AUM grew 183.66% to ₹1,761 Crores with significant green finance disbursements.
- Satin Technologies advanced digital transformation initiatives with new SaaS and HR tech products, including launching Arcrix SaaS.
- Satin Growth Alternatives Limited achieved fund's first close in a record 4.5 months and made its first investment, strengthening governance with appointment of an advisor.
Regulatory and governance context
- Satin Creditcare maintains provision coverage above RBI requirements, with on-book provisions of ₹263 Crores (2.6% of portfolio) and a management overlay of ₹50 Crores as an additional buffer.
- Credit ratings of subsidiaries remain stable with Satin Housing Finance rated A- by ICRA and Infomerics, and Satin Finserv rated A- by ICRA.
Highlights
- Assets under Management grew 31% year-over-year to ₹16,589 Crores in H1FY27.
- Profit After Tax (PAT) reached ₹299 Crores for H1FY27, a 204% increase over prior year.
- Q2FY27 marks highest-ever quarterly profitability of ₹176 Crores.
- Gross Non-Performing Assets (GNPA) reduced to 1.94% with Stage 3 coverage ratio improving to 91%.
- Raised approximately ₹2,630 Crores in Q2 via diversified debt instruments; marginal borrowing cost decreased to 10.28%.
- Capital Adequacy Ratio stands robust at 27.89%; book value per share is ₹287.21 consolidated.
Disclosures
- SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
Promoters committed ₹100 Crores by warrants with first tranche of ₹25 Crores received by the Company.
Source Information
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