What we do Satin Creditcare Network Ltd is a leading Indian microfinance institution providing loans primarily to women in rural and urban areas to support small businesses and housing. |
Founded in 1,990 |
Market share One of the top MFIs in India operating across 27 states and union territories with over 1,987 branches and ~33 lakh clients as of 2025. |
Problem solved Financial inclusion for underserved women entrepreneurs and low-income families through microloans, housing finance, and MSME support. |
Top clients or who we serve Women in rural and urban areas, MSMEs, and low-to-middle income families; B2C and B2B segments. |
Key management - |
Our journey and innovations Started in 1990 with urban loans, pivoted to Joint Liability Group microfinance in 2008, expanded to MSME and housing finance, and launched tech subsidiary in 2024. |
Where we operate India, spanning 27 states and union territories including recent expansions in Mizoram and Nagaland. |
Top products or what we offer Microfinance loans via Joint Liability Groups, affordable housing finance, MSME loans, and digital financial technology services. |
Top brands Satin Creditcare Microfinance (largest segment); Satin Housing Finance; Satin Finserv MSME; Satin Technologies IT services. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily recurring through loan interest; growth driven by disbursements and portfolio expansion. |
Our industry position Market leader among Indian MFIs with AUM over INR 13,000 crore and robust asset quality despite sector headwinds. |
Financial highlights Revenue INR 2,595 crore; Net profit INR 186 crore (FY2025); AUM INR 13,341 crore; RoA around 2.2%; CRAR ~24.6%. |
Geographical revenue split Revenue generated across 27 Indian states with significant presence in Uttar Pradesh, Assam, Bihar, West Bengal, Madhya Pradesh, and Punjab. |
Order book - |
Whats driving growth Steady branch expansions, technology adoption, diversified product offerings, strong governance and risk management frameworks. |
Our future plans Continued geographic expansion, investment in technology via Satin Technologies, growing subsidiaries, and deepening financial inclusion efforts. |
Our green promise Committed to ESG with Moody's SQS2 Sustainability Quality Score and active social financial frameworks supporting women empowerment. |
Our people and values Large workforce of 18,240 employees focusing on disciplined, ethical lending and customer-centric service to marginalized communities. |
Key challenges ahead Sector headwinds impacting profitability, managing credit costs, regulatory changes, and sustaining asset quality. |
Interesting facts First MFI associated with MUDRA Bank in 2015; recipient of Microfinance Organization of the Year 2024; ISO 27001 certification for data security. |
Risks and strategy Credit risks managed by rigorous underwriting and early intervention; strategy includes diversification through subsidiaries and tech investments. |
