Microfinance Institutions company Satin Creditcare Network announced Q4FY25 & FY25 results Financial Highlights: Consistency in disbursement on a QoQ basis, leading to growth in AUM of 5% QoQ & 7% YoY. The disbursement during the year surpassed FY24 levels, marking a continued upward trajectory from an already robust year for the microfinance sector. PAT for Q4FY25 stood at Rs 41 crore; reported 15 consecutive profitable quarters despite sector headwinds. Sustained PAR reversal from Nov’24 onwards; PAR 1 declined by 192 bps to 4.9% as of March 2025 from 6.8% in September 2024. Industry (NBFC-MFIs excluding Satin) PAR 1 stood at 16.9% as on Mar’25. Positive reversal in PAR 90, reflecting our success in arresting forward flows driven by strong client engagement and robust risk management. 0 dpd collection efficiency for the month of Mar’25 stood at 99.8%. Credit cost for FY25 was contained at 4.6%, within the guided range of 4.5%–5.0%. Raised Rs 7,742 crore during FY25; maintaining healthy liquidity. Successfully raised USD 100 million syndicated social term loan via External Commercial Borrowing, further diversifying our lender base. Received “SQS2” Sustainability Quality Score from Moody’s Ratings for Social Financing Framework; among the highest ratings awarded within the BFSI sector. Implemented Guardrails 2.0 effectively; cap on number of microfinance lenders to three and have aligned our internal policies and processes accordingly. Stable and competent management team; more than 9+ years of average vintage of core team in the Company Capital Adequacy and Liquidity: Our capital base is strong with a capital adequacy ratio of 25.9% as on 31 st March’25. Book Value per share at Rs 230 on a consolidated basis. The Company continues to maintain a healthy balance sheet liquidity of Rs 1,217 crore as on 31st March’25 and has undrawn sanctions worth Rs 1,243 crore as on date. Borrowing Profile: Total on-book borrowings stood at Rs 7,887 crore as on 31st March’25. Debt-to-equity ratio as on 31st March’25 stood at 2.77x. 63% of our borrowings are from banks, followed by overseas funds at 20%, NBFCs at 10% and DFIs at 6% . 65% of the borrowing is on floating rate. The Company has a diversified and large lender base of 79 active lenders. Added 14 lenders in FY25 Asset Quality: On-book Gross Non-Performing Assets stood at 3.7% amounting to Rs 323 crore. HP Singh, Chairman cum Managing Director, Satin Creditcare Network, said: “Marked by resilience, recalibration and responsible growth, FY25 was a year that demanded a realignment of focus and the ability to remain steady amid the uncertainty. Despite an industry environment marked by volatility and policy transitions, Satin delivered stable performance across all key metrics, emerging as one of the top performers in the industry. This outcome is a result of our long-term, future-ready approach — rooted in sustainability, guided by vision and driven by disciplined execution. In Q4FY25, we delivered our 15th consecutive profitable quarter, recording a PAT of Rs 41 crore. For the full financial year, our standalone PAT stood at Rs 217 crore. We’re also pleased to report that our performance remained closely aligned with our stated guidance. Year-on-year AUM growth stood at 7%, while credit cost for FY25 was well-managed at 4.6% — comfortably within the guided range of 4.5% to 5.0%. FY25 was undoubtedly more challenging than the strong year we saw in FY24. So, for us to surpass our previous year’s disbursement levels is a big win. It speaks volumes about our structural strength and consistent execution. As we step into the new financial year, we do so with a sense of satisfaction, determination, thoughtful reflection, and a continued focus on long-term value creation.We move forward with confidence, staying true to our mission and optimistic about the road ahead. We will continue to build on our strengths, sharpen our strategies, and stay committed to the vision that drives us.” Result PDF