| Microfinance | Providing unsecured small loans to women in rural and urban areas through Joint Liability Groups for income generating activities. | Strong rural presence, deep customer relationships, wide branch network, and regulatory compliance. | B2C, primarily economically active women borrowers in low-income segments. | Small ticket personalized loans to joint liability groups with low default risk. | 1150 | 86 | Interest income from loans disbursed to clients, primarily women borrowers. | Interest-based lending with tailored repayment schedules (bi-weekly/monthly). | Branch network expansion, increasing borrower base, and new states added. | Satin Creditcare Microfinance |
| Housing Finance | Affordable housing loans for purchase, construction, extension and repair targeted at low-to-middle income families. | Affordability focus, government housing schemes integration, and strong collection mechanisms. | B2C families owning or aspiring to own homes in rural and semi-urban India. | Mortgage-backed loans with higher ticket sizes and longer tenors. | 110 | 8 | Interest income on housing loans. | Long-term secured loans with monthly repayments. | Rural housing demand, cross-selling to microfinance clients transitioning to home ownership. | Satin Housing Finance Limited |
| MSME Financing | Providing loans to small business owners and entrepreneurs supporting business growth and sustainability. | Credit underwriting model tailored to MSMEs, tapping sister company borrower base for growth. | B2B and B2C segments including micro and small enterprises. | Collateral-backed micro loans and emerging business verticals. | 75 | 6 | Interest income and fees from MSME loans. | Loan products with monthly or quarterly repayment options, focus on sustainable business lending. | MSME sector growth, innovative underwriting models, and sustainability-linked lending. | Satin Finserv Limited |
| Technology Services | IT and digital solutions including HRMS and loan management platforms for financial services industries. | In-house development with strategic acquisitions in cybersecurity enhancing service portfolio. | B2B focus serving other subsidiaries and external financial institutions. | Proprietary technology platforms and cybersecurity services. | 1 | 0 | Subscription fees, licensing, and service contracts with enterprise clients. | Service-based contracts and subscription models. | Digital transformations and cybersecurity demand. | Satin Technologies Limited |
