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Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Audio Recording of Earnings Call

Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Newspaper Publication

Monitoring Agency Report for Quarter Ended September 30, 2026.

Microfinance Institutions company Satin Creditcare Network announced Q2FY27 results Consolidated Financial Highlights: Interest Income: Rs 75,470.01 lakh in Q2FY27, representing an increase of 23.15% YoY from Rs 61,282.55 lakh in Q2FY26 and an increase of 5.70% QoQ from Rs 71,396.21 lakh in Q1FY27. For H1FY27, interest income stood at Rs 1,46,866.22 lakh, up 20.08% YoY compared to Rs 1,22,808.21 lakh in H1FY26. Revenue from Operations / Total Revenue from Operations: Rs 92,584.33 lakh in Q2FY27, up 18.61% YoY from Rs 78,056.28 lakh in Q2FY26 and up 29.51% QoQ from Rs 71,496.21 lakh in Q1FY27. For H1FY27, total revenue from operations was Rs 1,68,797.97 lakh, growing by 13.77% YoY against Rs 1,48,371.34 lakh in H1FY26. Total Income: Rs 92,922.90 lakh in Q2FY27, presenting a YoY increase of 18.30% from Rs 78,546.96 lakh in Q2FY26 and a QoQ increase of 21.51% from Rs 76,474.53 lakh in Q1FY27. For H1FY27, total income reached Rs 1,69,397.43 lakh, increasing by 13.44% YoY compared to Rs 1,49,330.88 lakh in H1FY26. Profit Before Tax (PBT): Rs 23,464.16 lakh in Q2FY27, registering a significant YoY increase of 241.55% from Rs 6,869.85 lakh in Q2FY26 and a QoQ increase of 45.56% from Rs 16,119.67 lakh in Q1FY27. For H1FY27, PBT stood at Rs 39,583.83 lakh, increasing by 212.23% YoY from Rs 12,677.81 lakh in H1FY26. Profit After Tax (PAT): Rs 17,590.35 lakh in Q2FY27, which is a YoY increase of 230.93% from Rs 5,315.57 lakh in Q2FY26 and a QoQ expansion of 43.42% from Rs 12,264.56 lakh in Q1FY27. For H1FY27, PAT reached Rs 29,854.91 lakh, accelerating by 203.84% YoY against Rs 9,825.55 lakh in H1FY26. Earnings Per Share (EPS): Basic and diluted EPS stood at Rs 15.98 per share in Q2FY27 compared to Rs 4.83 in Q2FY26 (YoY) and Rs 11.15 in Q1FY27 (QoQ). For H1FY27, basic and diluted EPS was Rs 27.14 per share versus Rs 8.93 in H1FY26. Standalone Financial Highlights: Interest Income: Rs 65,742.78 lakh in Q2FY27, up 18.61% YoY from Rs 55,428.99 lakh in Q2FY26 and up 4.02% QoQ from Rs 63,202.99 lakh in Q1FY27. For H1FY27, interest income was Rs 1,28,945.77 lakh, matching a YoY expansion of 16.16% compared to Rs 1,11,007.87 lakh in H1FY26. Revenue from Operations / Total Revenue from Operations: Rs 81,152.30 lakh in Q2FY27, expanding by 14.26% YoY from Rs 71,021.87 lakh in Q2FY26 and up 20.96% QoQ from Rs 67,090.10 lakh in Q1FY27. For H1FY27, total revenue from operations was Rs 1,48,243.10 lakh, up 10.07% YoY against Rs 1,34,681.83 lakh in H1FY26. Total Income: Rs 81,211.12 lakh in Q2FY27, increasing by 14.27% YoY from Rs 71,072.23 lakh in Q2FY26 and rising by 21.05% QoQ from Rs 67,145.46 lakh in Q1FY27. For H1FY27, total income was Rs 1,48,356.58 lakh, rising by 10.07% YoY compared to Rs 1,34,718.64 lakh in H1FY26. Profit Before Tax (PBT): Rs 22,830.42 lakh in Q2FY27, expanding significantly by 241.32% YoY from Rs 6,688.88 lakh in Q2FY26 and increasing by 44.54% QoQ from Rs 15,795.61 lakh in Q1FY27. For H1FY27, PBT stood at Rs 38,626.03 lakh, up by 217.87% YoY from Rs 12,151.74 lakh in H1FY26. Profit After Tax (PAT): Rs 17,161.29 lakh in Q2FY27, indicating a YoY expansion of 232.05% from Rs 5,168.26 lakh in Q2FY26 and a QoQ expansion of 42.67% from Rs 12,028.68 lakh in Q1FY27. For H1FY27, PAT finished at Rs 29,189.97 lakh, growing by 208.92% YoY compared to Rs 9,448.40 lakh in H1FY26. Earnings Per Share (EPS): Basic and diluted EPS reached Rs 15.59 per share in Q2FY27 compared to Rs 4.72 in Q2FY26 (YoY) and Rs 10.94 in Q1FY27 (QoQ). For H1FY27, standalone basic and diluted EPS was Rs 26.53 per share versus Rs 8.59 in H1FY26. HP Singh, Chairman cum Managing Director of Satin Creditcare Network, said: H1FY27 marks a defining chapter in Satin’s growth journey. With a PAT of Rs 299 crore in just six months, we are closing on our FY26 full-year profit, while delivering our 21st consecutive profitable quarter. This milestone reflects the strength of our core business, the resilience of our operating model and our continued progress towards building a stronger, diversified institution. At SCNL, we believe that sustainable growth is built on discipline, resilience and the ability to look beyond the immediate quarter. In line with this philosophy, we have consciously prioritised balance sheet strength by increasing our management overlay to Rs 50 crore and maintaining provisions significantly above regulatory requirements. While this has moderated reported profitability and return ratios, we believe that taking prudent measures today will strengthen our ability to navigate uncertainties and deliver consistent performance over the long term. Our ambition extends beyond microfinance. We see significant opportunities in Housing finance, MSME lending, Technology and Alternative Investments, each contributing to our vision of building a diversified platform with multiple engines of growth. By leveraging our established rural presence, deep customer relationships and growing capabilities, we aim to expand our reach, serve evolving customer needs and unlock new avenues for sustainable growth. As we look ahead, our focus remains firmly on responsible growth, stronger fundamentals and long-term value creation. We remain committed to building an institution that is not only financially resilient but also creates a meaningful and lasting impact on the lives of the customers and communities we serve. Result PDF

Statement of Deviation or Variation under Regulation 32 of SEBI (LODR) Regulations 2015 for quarter ended September 30, 2026