| Scrip code | 539404 |
|---|---|
| NSE Symbol | SATIN |
| MSEI Symbol | NOTLISTED |
| ISIN | INE836B01017 |
| Name of company | SATIN CREDITCARE NETWORK LIMITED |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 28-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 22-10-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | Financial Activities |
| Start date and time of board meeting | 28-10-2026 14:30:00 |
| End date and time of board meeting | 28-10-2026 15:48:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 75,470.01 | 1,46,866.22 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 9.13 | 20.37 |
| (iv) | Fees and commission Income | 837.95 | 1,723.12 |
| (v) | Net gain on fair value changes | 2,654.05 | (3,019.00) |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 13,383.05 | 22,792.29 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 0.00 | 0.00 |
| (ix) | Other revenue from operations | ||
| 1 | Other Operating Income | 230.14 | 414.97 |
| Total other revenue from operations | 230.14 | 414.97 | |
| Total Revenue From Operations | 92,584.33 | 1,68,797.97 | |
| Other income | 338.57 | 599.46 | |
| Total income | 92,922.90 | 1,69,397.43 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 19,713.51 | 38,482.61 | |
| Finance costs | 33,505.30 | 58,596.89 | |
| Depreciation, depletion and amortisation expense | 895.50 | 1,689.01 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 8,957.96 | 19,570.03 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 6,386.47 | 11,475.06 |
| Total other expenses | 6,386.47 | 11,475.06 | |
| Total expenses | 69,458.74 | 1,29,813.60 | |
| 3 | Total profit before exceptional items and tax | 23,464.16 | 39,583.83 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 23,464.16 | 39,583.83 |
| 7 | Tax expense | ||
| 8 | Current tax | 4,842.88 | 9,442.79 |
| 9 | Deferred tax | 1,030.93 | 286.13 |
| 10 | Total tax expenses | 5,873.81 | 9,728.92 |
| 11 | Net Profit Loss for the period from continuing operations | 17,590.35 | 29,854.91 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0.00 | 0.00 |
| 15 | Total profit (loss) for period | 17,590.35 | 29,854.91 |
| 16 | Other comprehensive income net of taxes | (1,575.24) | (1,821.22) |
| 17 | Total Comprehensive Income for the period | 16,015.11 | 28,033.69 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 17,591.71 | 29,858.75 | |
| Total profit or loss, attributable to non-controlling interests | (1.36) | (3.84) | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 16,016.47 | 28,037.53 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | (1.36) | (3.84) | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 11,011.32 | 11,011.32 | |
| Face value of equity share capital | 10 | 10 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 15.98 | 27.14 | |
| Diluted earnings per share from continuing operations | 15.98 | 27.14 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 15.98 | 27.14 | |
| Diluted earnings per share | 15.98 | 27.14 | |
| 23 | Debt equity ratio | 3.8100 | 3.8100 |
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | Textual Information(1) | |
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Textual Information(1) | Kindly refer to the Outcome of the Board Meeting filed to stock exchanges on October 28, 2026 for detailed notes on Financial Results. |
|---|
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 39,583.83 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 4,956.60 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | 195.08 | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | 0.00 | |
| Adjustments for decrease (increase) in other non-current assets | (3,219.84) | |
| Adjustments for other financial assets, non-current | 478.21 | |
| Adjustments for other financial assets, current | 0.00 | |
| Adjustments for other bank balances | 4,532.03 | |
| Adjustments for increase (decrease) in trade payables, current | 0.00 | |
| Adjustments for increase (decrease) in trade payables, non-current | 830.05 | |
| Adjustments for increase (decrease) in other current liabilities | 0.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 242.92 | |
| Adjustments for depreciation and amortisation expense | 1,689.01 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 19,570.03 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | (282.45) | |
| Adjustments for other financial liabilities, current | 0.00 | |
| Adjustments for other financial liabilities, non-current | 17,215.35 | |
| Adjustments for unrealised foreign exchange losses gains | (6,653.51) | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for interest income | 0.00 | |
| Adjustments for share-based payments | 306.95 | |
| Adjustments for fair value losses (gains) | 3,019.00 | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 0.00 | |
| Other adjustments to reconcile profit (loss) | 94.16 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | 42,973.59 | |
| Net cash flows from (used in) operations | 82,557.42 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 7,093.57 | |
| Other inflows (outflows) of cash | (1,48,731.94) | |
| Net cash flows from (used in) operating activities | (73,268.09) | |
| Cash flows from used in investing activities | ||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of property, plant and equipment | 44.25 | |
| Purchase of property, plant and equipment | 955.15 | |
| Proceeds from sales of investment property | 0.00 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 56.93 | |
| Proceeds from sales of intangible assets under development | 0.00 | |
| Purchase of intangible assets under development | 386.98 | |
| Proceeds from sales of goodwill | 0.00 | |
| Purchase of goodwill | 0.00 | |
| Proceeds from biological assets other than bearer plants | 0.00 | |
| Purchase of biological assets other than bearer plants | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Proceeds from sales of other long-term assets | 0.00 | |
| Purchase of other long-term assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (2,404.87) | |
| Net cash flows from (used in) investing activities | (3,759.68) | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 0.00 | |
| Proceeds from issuing other equity instruments | 2,658.17 | |
| Payments to acquire or redeem entity's shares | 0.00 | |
| Payments of other equity instruments | 0.00 | |
| Proceeds from exercise of stock options | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 48,071.79 | |
| Proceeds from borrowings | 3,51,826.52 | |
| Repayments of borrowings | 3,22,841.75 | |
| Payments of lease liabilities | 990.67 | |
| Dividends paid | 0.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 26,284.72 | |
| Net cash flows from (used in) financing activities | 1,05,008.78 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 27,981.01 | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 27,981.01 | |
| Cash and cash equivalents cash flow statement at beginning of period | 1,50,580.56 | |
| Cash and cash equivalents cash flow statement at end of period | 1,78,561.57 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 1,78,561.57 | ||
| Bank Balance other than (a) above | 69,993.57 | ||
| Derivative financial instruments | 22,555.95 | ||
| Receivables | |||
| (I) Trade Receivables | 618.84 | ||
| (II) Other Receivables | |||
| Loans | 12,67,370.74 | ||
| Investments | 18,797.53 | ||
| Other Financial assets | |||
| 1 | Other Financial assets | 6,035.65 | |
| Total of Other Financial assets | 6,035.65 | ||
| Total Financial Assets | 15,63,933.85 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 4,093.28 | ||
| Deferred tax Assets (Net) | 903.03 | ||
| Investment Property | 557.78 | ||
| Biological assets other than bearer plants | |||
| Property, Plant and Equipment | 11,270.29 | ||
| Capital work-in-progress | 906.75 | ||
| Intangible assets under development | 838.75 | ||
| Goodwill | 3,647.36 | ||
| Other Intangible assets | 188.66 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 5,987.60 | |
| Total of Other non-financial assets | 5,987.60 | ||
| Total Non Financial Assets | 28,393.50 | ||
| Total assets | 15,92,327.35 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 11,011.32 | ||
| Other equity | 3,06,266.94 | ||
| Total equity attributable to owners of parent | 3,17,278.26 | ||
| Non controlling interest | 50047000 | ||
| Total equity | 3,17,778.73 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | ||
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 16.27 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 240.65 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 73.74 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 4,408.80 | ||
| (C ) | Debt Securities | 2,24,254.12 | |
| (d) | Borrowings (Other than Debt Securities) | 9,28,464.72 | |
| (e) | Deposits | ||
| (f) | Subordinated Liabilities | 48,454.37 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 56,155.38 | |
| Total of Other financial liabilities | 56,155.38 | ||
| Total Financial Liabilities | 12,62,068.05 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 2,079.85 | |
| (b) | Provisions | 2,228.94 | |
| (C ) | Deferred tax liabilities (Net) | 5,744.01 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 2,427.77 | |
| Total of Other non-financial liabilities | 2,427.77 | ||
| Total Non Financial Liabilities | 12,480.57 | ||
| Total liabilities | 12,74,548.62 | ||
| Total equity and liabilites | 15,92,327.35 | ||
| Disclosure of notes on assets and liabilities | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| Total Segment Revenue | |||
| Less: Inter segment revenue | |||
| Revenue from operations | |||
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| Total Profit before tax | |||
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | |||
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| Total Segment Asset | |||
| Un-allocable Assets | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Items that will not be reclassified to profit and loss | -38731000 | -126882000 |
| Total Amount of items that will not be reclassified to profit and loss | -38731000 | -126882000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (97.23) | (319.09) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Items that will be reclassified to profit and loss | -171133000 | -115991000 |
| Total Amount of items that will be reclassified to profit and loss | -171133000 | -115991000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (426.17) | (288.42) |
| 5 | Total Other comprehensive income | (1,575.24) | (1,821.22) |
| Whether results are audited or unaudited | Unaudited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M/s. J C Bhalla & Co. | Yes | 31-12-2027 | ||
|---|---|---|---|---|---|