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Finance Term Lending


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Market Cap987 CrEPS27.1High132.45
Stock P/E4.6Net Profit Margin15.9Low128.65
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NSE: Satin Creditcare



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Open Price124.8Volume1
Prev. Close124.8


Market Cap987 CrROE1.4%
P/E Ratio(TTM)4.6EPS(TTM)-13.7
P/B Ratio0.6Dividend Yield0.0%
Industry P/E4.9Book Value220.9
Face Value10.0

About the Company

Satin Creditcare Network Limited (SCNL) is the fifth largest microfinance institution in terms of GLP with a strong presence in north India. It started its operations in 1990 as a provider of individual and small business loan and savings services to urban shopkeepers and was registered as an NBFC with the RBI in 1998 and converted into an NBFC-MFI in Nov, 2013.

Its business is primarily based on the JLG Model for providing collateral free, microcredit facilities to economically active women in both rural and semi-urban areas, who otherwise have limited access to mainstream financial service providers. It also offer loans to individual businesses, loans to MSMEs, product loans for financing purchase of solar lamps and loans for development of water connection and sanitation facilities. It recently started offering IML to its clients in the JLG Model who have a credit record with it. In Dec, 2013 it entered into an agreement with Reliance Capital Limited (RCL) to provide certain services including sourcing clients for RCL for providing low-ticket size LAP with a view to leverage its rural reach.

Its operations are spread across 16 states and union territories in India including Uttar Pradesh, Bihar, Madhya Pradesh, Punjab, Uttarakhand, Rajasthan, Haryana, Maharashtra, Delhi and NCR, Jharkhand, Chhattisgarh, Gujarat, West Bengal, Jammu and Kashmir, Himachal Pradesh and Chandigarh, with a focus on rural and semi-urban areas. A number of the regions in which it operates have moderate or low rates of penetration by micro finance institutions.

Business and Services

SCNL offers its clients income generating loan (IGL) product based on their repayment ability. These loans are given under the Joint Liability Group (JLG) lending model or on an individual lending basis. SCNL is financing the solar lanterns at affordable rates to suit the economic conditions of the villagers without any financial constraint. It also offers Water & Sanitation Loan Product.


  • 2016- Reaches 2.59 mn active clients and gross AUM of Rs 41,809.81 mn as on Sep’16 (On a consolidated basis) 
  • 2016- Raised Rs. 2.5 bn via QIP in Oct’16 
  • 2016- CARE Ratings upgraded LT Bank Facilities & NCDs to A- in Oct’16 
  • 2016- Acquired TSPL in Sep’16 
  • 2016 - Exit of DMP in Jul'16 and ShoreCap in Aug’16 
  • 2016 - Started MSME Lending and Individual Micro Loans in FY17 
  • 2016 - Morgan Stanley Mauritius Company bought 15 Lakh shares of SCNL at Rs. 571 per share in Aug’16 
  • 2016 - Received “Best Micro Finance Company in India” from Worldwide Achievers 
  • 2016 -Received “Client Protection Certificate” under the Smart Campaign – 2016 from M-CRIL 
  • 2016 - SCNL reports 86% growth in its Net Profit for FY2015-2016 
  • 2015 - SCNL receives “Iconic Name in Microfinance Award”, at the Make in India Conclave – Indian Realty Award & International Business Awards in Nov’15 
  • 2015 - Received top MFI grading of MFI
  • 2015 - Rs. 378.30 mn infused by Promoter Group 
  • 2015 - Raised Rs. 414.70 mn from SBI FMO (including warrants) 
  • 2015 - Listing on NSE, BSE and CSE 
  • 2015 - SCNL entered 3 new states: Himachal Pradesh, Gujarat and West Bengal in Oct’15 
  • 2015 - SCNL Kick- started its operations in 25 new branches in Oct’15 
  • 2015 - 25,000 families were added on 16th Oct’15 in a single day in our microfinance program  in Oct’15 
  • 2015 - SCNL started cashless collections in Bihar and Gujrat in Oct’15 
  • 2015 - SCNL started a new loan product - ‘Wash Loans’ from Bihar and Azamgarh in Oct’15 
  • 2015 - SCNL started disbursement of ‘Clean and Safe Energy Loan’ to its clients as a commitment towards clean energy in Oct’15 
  • 2015- the first MFI to receive funding (Term Loan) MUDRA in Jul’15 
  • 2015 - SCNL empowers of over 1 mn happy clients in North India in Mar’15 
  • 2014 - Raised Rs. 284.37 mn of equity from NMI and USD 10 mn of debt from World Business Capital in the form of ECB 
  • 2014 - Raised floating rate long term unsecured Tier II debt in Jul’14 
  • 2014 - SCNL scored 'Platinum' rating and an overall rating of 4 stars in the ‘Impact Business Model Rating', conducted by GIIRS (Global Impact Investing Rating System) 
  • 2014 - According to a latest MFIN Report on 'Responsible Business Index (RBIndex, 2014)', SCNL has scored 94% against the industry average of 87%
  •  2014 - Reaches 0.80 mn active clients and gross AUM of Rs. 10,560.55mn as on Mar’14 
  • 2014 - SCNL has Basel II Rating from CARE BBB (Triple B) for long-term bank facilities of Rs. 800 Crores (Enhanced from Rs.600 Crores) on 3rd Feb’14
  •  2013 - SCNL received the certificate of pricing transparency from mftransparency.org for the period Aug’13 to Aug’14 
  • 2013 - Exit of Lok Capital 
  • 2013 - Rs. 110.00 mn infused by Promoter Group 
  • 2013 - Raised Rs. 300.00 mn from DMP, Shore Capital and Micro Vest 
  • 2013 - Recieved ‘MFI 2+’rating by CARE (second highest on an eight point scale) 
  • 2013 - Converts to NBFC-MFI in Nov’13 
  • 2013 - Reaches 0.49 mn active clients and gross AUM of ? 5,800.26 mn as on Mar’13 
  • 2012 - Receives 83% in microfinance COCA audit 
  • 2012 - Starts SHG bank linkage program in Rewa, MP 
  • 2011 - Raised Rs. 180.50 mn from DMP in Feb’11 
  • 2011 - Receives MIX Social Performance Reporting Award at Silver level 
  • 2010 - Rs. 77.50mn infused by Promoter Group 
  • 2010 - Raised Rs. 25.08mn from Lok Capital in Nov’10 and Rs. 218.50 mn from ShoreCap II in Dec’10 
  • 2010 - Reaches 0.17 mn active clients and gross AUM of Rs. 1,690.76 mn as on Mar’10 
  • 2009 - Raised Rs. 19.42 mn from Lok Capital 
  • 2008 - Rs. 10 mn infused by Promoter Group 
  • 2008 - Started JLG Model 
  • 2008 - First private equity investment -- Raised ? 48.74 mn from Lok Capital 
  • 1998 - Registers as NBFC  with the RBI 
  • 1996 - IPO and listing on DSE, JSE and LSE 
  • 1990 - Date of inception of Satin on Oct 16, 1990 
Parent OrganisationSatin Creditcare Network Ltd.Managing DirectorH P Singh
Founded1990NSE SymbolSATIN


All values are in Rs Cr


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