| Fund Raise | ₹200.00 CrTier II Capital |
|---|---|
| Market Cap | ₹2,140.71 CrSmall Cap |
| Revenue TTM | ₹2,865.01 CrOperating Income |
| Day RSI | 73.95Overbought Zone |
| Execution period | 7 years |
| Deal value | ₹200 Cr |
| Share of market cap | 9.3% |
Key highlights
- Successfully raised ₹200 crore in subordinated Tier II capital
- Instrument features a long-term tenure of seven years
- Capital infusion strengthens balance sheet for sustained growth momentum
- Funds earmarked for Income Generating Loans and WASH financing
- Proceeds will also support the expansion of specialized subsidiaries
Capital Structure and Funding Details
Satin Creditcare Network Limited (SCNL) secured ₹200 crore through the issuance of subordinated Tier II capital. The instrument carries a fixed tenure of seven years, providing the microfinance institution with a stable, long-term funding base. This transaction reflects a calibrated approach to capital management, aligning long-term funding with projected growth requirements while maintaining flexibility in capital planning.
The raise occurred during a period of sector-wide moderation, which underscores institutional confidence in the company's operating performance. This capital infusion positions the firm to build on its current momentum with significantly enhanced balance sheet strength.
Strategic Deployment of Proceeds
- Expansion of high-impact lending segments including Income Generating Loans (IGL)
- Scaling of specialized Water, Sanitation and Hygiene (WASH) financing initiatives
- Allocation of capital to support the growth of wholly-owned housing finance subsidiaries
- Strengthening the capital base of MSME lending through Satin Finserv Limited
- Deployment of growth capital across core and emerging financial platforms
Management Perspective on Capital Strategy
This raise reflects the strength of our operating performance and the confidence our partners have in our long-term strategy. We have remained focused on disciplined growth despite sector conditions, and this capital provides the right foundation to accelerate from here.
Operational Footprint and Financial Context
Satin Creditcare is a leading microfinance institution with operations spanning 27 states and 5 union territories, serving 33.7 lakh clients as of March 31, 2026. The company maintains a robust network of 2,015 branches and has diversified its offerings through subsidiaries like Satin Housing Finance and Satin Technologies. Financially, SCNL has demonstrated strong momentum with a quarterly net profit growth of 404.29% year-on-year.
The current capital raise ensures the company can support near-term scale without compromising its value creation objectives or future capital flexibility.
“Our approach to capital remains measured and aligned with long-term value creation, ensuring we scale efficiently while retaining flexibility for future opportunities.”
| Share price | ₹193.78 |
|---|---|
| Market capitalisation | ₹2,140.71 Cr |
| Revenue (annual) | ₹2,594.69 Cr |
| Net profit (annual) | ₹186.13 Cr |
| Revenue (latest quarter) | ₹747.47 Cr-5.13% vs previous quarter |
| Net profit (latest quarter) | ₹71.91 Cr+35.28% vs previous quarter |
| P/E (TTM) | 11.15×Sector 23.19× |
| Promoter holding | 36.17%0.00% QoQ |
| FII holding | 3.52%Current quarter |
Reference market data from a third-party provider, as of the story. Not a valuation or a recommendation.
Exchange filing by Satin Creditcare Network Ltd announcing a ₹200 crore Tier II capital raise for business growth. Market figures from a third-party data provider.
