Interim report
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October 28, 2026 To, The Manager, National Stock Exchange of India Ltd. Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Bandra East, Mumbai-400051 Symbol: SATIN The Manager, BSE Limited 25th Floor, P. J. Towers, Dalal Street, Mumbai – 400001 Scrip Code: 539404 Sub: Outcome of the Board Meeting of Satin Creditcare Network Limited (“the Company”) Ref: Regulations 30, 33, 52 and 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Dear Sir/Madam, With reference to the captioned subject and pursuant to our earlier intimation dated October 22, 2026, we hereby inform you that, the Board of Directors of the Company at its meeting held today i.e. October 28, 2026, have, inter-alia, inter-alia, considered and approved Un-Audited Financial Results (Standalone & Consolidated) for the quarter and half year ended September 30, 2026, as per the recommendation of Audit Committee. Copies of Un -Audited Financial Results (Standalone & Consolidated) along with the Limited Review Report(s) with un-modified opinion thereon, issued by J C Bhalla & Co., Chartered Accountants, Statutory Auditors of the Company, are enclosed herewith and are also available on website of the Company at www.satincreditcare.com Please note that: • The meeting of Board of Directors commenced at 2.30 p.m. (IST) and concluded at 3:48 p.m. (IST). • Trading Window for dealing in securities of the Company shall remain closed until 48 hours from publication of this announcement. This is for your information and record. Yours faithfully, For Satin Creditcare Network Limited Vikas Gupta Company Secretary & Chief Compliance Officer Encl: A/a
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JCBHALLA&CO. CHARTERED ACCOUNTANTS LTRANCH oFFICE : B-5, SECTOR'6, NOIDA-2O1 30l (U.P.) rEL : +er - 120-4241ooo,5i1,; .?l;llff;frj,::":; Independent Auditor's Limited Review Report on Statement of Unaudited Standalone Financial Results of Satin Creditcare Network Limited for the quarter and half year ended September 30,2026, pursuant to Regulations 33 and Regulation 52 read with Regulation 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. To, The Board of Directors of Satin Creditcare Network Limited 1,. We have reviewed the accompanying Statement of unaudited standalone financial results of Satin Creditcare Network Limited ('the Company') for the quarter and half year ended September 30,2026 ("the Statement") attached herewith, being prepared and submitted by the Company pursuant to requirements of Regulation 33 and Regulation 52 read with Regulation 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ("the Listing Regulations"), which has been initialed by us for identification purpose. 2. This Statement, which is the responsibility of the Company's Management and has been approved by the Board of Directors of the Company, has been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34, (IND AS 34) "Interim Financial Reporting" prescribed under Section 133 of the Companies Act, 2013, as amended (the "Act"), read with relevant rules issued thereunder and other accounting principles generally accepted in India, read with the Listing Regulations. Our responsibility is to issue a conclusion on this Statement based on our review. 3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410 - "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the Institute of Chartered Accountants of India (the "ICAf'). This standard requires that we plan and perform the review to obtain moderate assurance as to whether the statement is free from material misstatement. A review of interim financial information consists of making inquiries, primarily of the company personnel responsible for financial and accounting matters and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing specified under Section 143(10) of the Act and consequently, does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. 4. Based on our review conducted as above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in all material respects in accordance with the recognition and measurement principles laid down in IND AS 34 prescribed under Section L33 of the Act, read with relevant rules issued thereunder including the amendments thereof and other recognized accounting principles generally accepted in India, has not disclosed the information required to be disclosed in accordance requirements of Listing Regulations, including the manner in which it is to be or that it contains any material misstatement ot that it has not been prepared HEAD OFFICE : B-17, Maharani Bagh, New Delhi - 110065
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in accordance with the relevant prudential nonns issued by the Reserve Bank of brdia (RBD in respect of Income recognition, asset classification, provisioning and other related matters, to the extent those are not inconsistent with the Lrdian Accounting Standards prescribed under Section 133 of the Act. ForJCBhalla&Co. Chartered Accountants Firm Regn No. 001111N (Rajesh Sethi) Parbrer Membership No. 085669 uDrN:2609 5 663 t ts KY Kr4 B S B z Place: Gurugram Date: October 28,2026
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SATIN SATIN CREDITCARE NETWORK I,'TD. Reachingout! Statcmena of flnauditcd Saandalone Financial Results for ahe quartcr and halfyear ended September 30, 2026 S. No Particulars 0uarter ended Vesr cndcd Septemb€r 30, 2026 June J0, 2026 September J0, 202< September 30, 2n26 Scpt€mb€r 30, 2025 March 31, 2026 (Unaudiaed) (Unaudited) (Unauditcd) (Unaudiaed) (Unaudited) (Audited) I 2 J 4 5 6 7 E 9 t0 It t2 lncome Revenue from operations Ilterest income Rertal income Fees ud commission income Net gain/ (loss) on fair value changes Net gain on derecognition of finucial instruments operatmg mcome Iotal revcnue from operations Jdrer income fotal income (l+2) Expenses rinarce costs: (i) lnterest cost (ii) Ellbcts of chmges in lbreign exchmge rates mpaimrent of finmcial instruments lmployee benefi ts expenses )epreciation and amonisation expenses )ther expenses Total expens€s Profia b€fore a8x (3-.1) Tax expense: Cuneni tu Tu adjustments related to eulier years Defened tax charge/ (credit) Totrl arx exp€nse Nca profit Nfter tax (5-6) Othcr comprehensive incomc ltems that will not be reclassified to profit ild loss hcome tu relating to items that will not be reclassified to profit ild loss Itenrs that will be reclassified to profit and loss hlcome tax relating to items that will be reclassified to profit md loss Total other comprehensivc income Total comprehcnsive income (7+8) Paid-up equiry shue capital (face value of a l0 per equity shile) Other equity Earning per shar€ (EPS) (face value of{ l0 prcr equity share) - Basic (anout in { ) - Diluted (mrount in t ) (EPS for the quilter ended September 30,2O26, Jwe30,2026 nd September 30, 2025 md halfyeu ended September 30,2026 nd September 30, 2025 ile not mnualised) 65,'142.'18 4t.54 239.91 2,5t9.74 I 2,540.65 67.68 fi,t52.30 58.82 8t,2 I t.l2 28,295.8t (4 l 0.67) 8.3 19.3? l6,l3l.l4 687.28 5,35'1.'t'7 58,380.70 22,E30.42 4.52'1.47 l,l{1.66 5,669.t3 t7,t6t.29 (3'1s.76) 94.57 55.45 ( r3.96) (239.70) 16,92t.59 I l,0l1.32 I 5.59 15.59 63,202.99 43.25 258.20 (5,7 l l. t9) 9,241.73 55.82 67,090.t0 54.66 67,t4s.46 26,888.82 (6,242.84\ I 0,0 I 4.89 15,716.41 642.64 4,329_93 5t,349.85 I 5,795.6t 4,239.13 (472.2O) 3,766.93 12,02E.6E (9 l 6.33) 230.62 ( 149.03) 37.5 t (797.231 I 1,231.45 I l,0l 1.32 10.94 10.94 55.428.99 38.41 161.62 8.938_00 6,400.62 54.23 7l,o2l.a7 50.36 71,o72.23 23,837.06 7.4t4_44 13,294.27 I 4.535.96 596.9t 4,704.'1t 64,383.35 6,6EE.EE (3 l 8.98) I,8 t9.60 t,500.62 5,16E.26 ( r87. l3) 47.10 (428.00) t0't.72 (460.31) 4,127,95 I 1,004.32 4.72 4.72 1,28.945.11 84.79 198. I I (3,191.45) 21,782.34 123.50 t,48,243.t0 I 13.48 1,48,356,58 55,184.63 (6,653.5 I ) I 8,334.26 3 t.847.55 t,329.92 9.687.70 1,09,730.55 3E,626.03 8,766.60 669.46 9,436.06 29,tE9.97 (1,292.09',) 325.19 (93.58) 23.55 (1,036.93) 28,15J.04 I l,0l1.32 26.53 26.53 l,t t,007.87 '75.86 ?17 2A 12,180.96 to,944 70 95.t6 1,34,68t.83 106.8t 1,34,7t8.64 4'1.692.35 to,232.61 26,757.90 28.239.51 l, t33.59 8,580.88 1,22,636.90 t2,tst.74 |,?98.55 904.79 2,703.34 9,.t4E..t0 (r,966.62\ 494.96 (765.38) t92 63 (2,044.411 7,403.99 I 1,004.32 E.59 859 2,21,437 8t 153 27 998.09 26,097.05 33,295.26 262.20 2,t2,243.6E 2t8.57 2,82,462.25 96,598.80 2 l,308.58 46.202.10 58,7I't.tt 2,582.a3 t7,684.84 2,43,094.56 39,367.69 I,959.20 (35.33) '7.235.75 9,159.62 30.20E.07 (2,765.03) 695.90 538 93 ( r 35.64) (r,66s.84) 2E,542.23 I t,004.32 3,0 1.878.50 27.46 27.46 CORPiORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana - 122016, lndia REGISTERED OFFICE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia CIN :165991D11990P1C041796 Landllne No : 01244715400 E-MalllD :info@satincreditcare.com Webelte : wwwsatlncreditcare.com
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SATIN SATIN CREDITCARE NETWORK ITD. Reachingout! Unaudited Standslonc Statement ofAssets and Liabilitics as at Septcmber f,0, 2026 ln Parliculars As at September 30, 7{J26 As at March J I ,n) 6 {I Inril.liie.l\ (Auditedl ASSETS Financial assets Cash and cash equivalents Bank balmces other than cash md cash equivalents Derivative fi nancial instruments Trade receivables Loans Investments Other finucial assets Non-financial csets Cunent tax assets (net) Investment Property Property, plart md equipment Capital work-in-progress Other inrugible assets Other non-linmcial assets TOTAL ASSETS LIABILITTES AND EQUITY LIABILITIES Finsncial liabilities Payables Trade payables (i) total outstanding dues ofnricro enterprises md srnall cnterprises (ii) total outstandilg dues ofcreditors otlrer than micro enterprises and small enterprises Other payables (i) total outstilding dues ofmicro enterprises and small enterprises (ii) total outstanding dues ofcreditors other than uricro enterprises and small enterprises Debt secuities Bonowings (other thar debt securities) Subordinated liabilities Other finmcial liabilities Non-linancial liabili tics Curent tu liabilities (net) Provisions Defened tax liabilities (net) Other non-fi nmcial liabilities EQUITY Equitl share capital Other equity TOTAL LI, BILITIES AND EQUITY t.5t,265.24 63,194.0',7 22,471.53 I 70.39 l0,l3,t 11.24 1,39,922.48 4.868.36 I3a,267.s6 65.989.04 27.039.52 209.02 9,49,233.03 I,18,677 66 5 044 Jg t3.95.006,3 I t3_04-,t60 32 3,335.2 r 55't.'78 9,038.5 I 7't ' 94 a4.92 4 460 16 3,322.26 571.78 9,246.29 699.35 to3.'16 I ))4 t5 t8-249.12 I 5-t 67_59 t4.13.2ss.43 13.19.627-9t 211.84 72.84 3, I 50.2 I t,29,98t.64 8, I 8.668.38 47,954.45 53.604.39 5 I 1.93 l7 t.l7 2,120.52 I,3r,477.31 I,OO.642.76 2t.o99.23 37.557.48 10.5J.64J.75 9.93.5E0.40 2.079.85 t,9l 1.70 10.3.t7.82 1.5'18.28 |,812.79 9.939.03 I 4t2A7 15.9t 7.65 l3-t64-69 I l,0l 1.32 332.642.7t I 1,004.32 3.0 t.878.50 3.43.694.03 3.12.882.82 t4.t3.255..t3 13.t9.627.91 CORPORATE OFFICE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana -122O16,lndia REGISTERED OFFICE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia ctN Landllne No E-MalllD Webglte : 165991 DL1 990PLC041 796 .01244715400 : info@satincreditcare.com : www.satincreditcare.com
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SATIN SATIN CREDITCARE NETWORK LTD. Reachingout! Unaudited Standalone Statement ofCash Flows for the halfyear ended Septemb€r 30' 2026 Pariiculars For thc halfyear ended SeDaemb€r 30. 2026 For the halfyear endcd Sentpmhcr 30- 2025 (Unaudit€d) /l lnruditedl A Cash now from operating activities Profit before tax Adiustmenas for: Depreciation and amortisation Depreciation of right-of-use assets Net (gain)/ loss on derecognition ofproperty, plant ud equiprnent Fair value gain on mutual funds, bond etc. LosV (gain) on fair valuation ofsubsidiuies Unrealised (gain)/ loss on fair value changes ofderivatives ild investments lmpairment on fi narcial instrunrents Net gain on sale ofloan portfolio througlt assignment First loss default guarantee expense/ (reversal) Share based palment to employees Effective intercst rate adjustment for financial insrmcnts lnterest expense for leasing anangements Net gain on lenrrination ofleases Corporate guilartee premium income Unrealised exchange fluctuation loss (net) Operaaing profit before working capital changes Movement in working capital (Increase)/decreme in trade receivables ( Incrsase)/decrease iI loans (Increase)/decrease in other bark balances (lncrease)/decrease in other tinocial assets ( Increase)/decretre in other uon-fi narcial assets Increase/(decrease) in trade ud other payables hcrease/(decrease) in other fi nancial liabilities Increase/(decrease) in provisions Inarease/(decreas€) in other non-fi nilcial liabilities Cash gcnerated from/ (uscd in) operating activities pst working capilal changcs Incomc tax paid (net) Net cash gencrated from/ (used in) operating activities (A) B Cash flows from investing activities Purchase ofpropeny, plant and equipnrent (including capital work in progress and capital advance) Proceeds fronr sale ofproperty, plut ard equipment lnvestment made in subsidiaies hlvestrnent made i[ other thm subsidiuies Proceeds fronr sale ofinvestments otlrer than subsidiaries N€a cash used in investing activitics (B) C Cash llows from financing activities Proceeds from issue of equity shues & shile warilts (including pretnium) Proceeds from debt securities Repalment of debt securities Proceeds from borowings other than debt securities Repaymelt of bonowings other the debt secuities Lease palments Proceeds from subordinated liabilities Repayment of subordinated liabilities Net cash g€nerated from financing activitics (C) Net increase in cash ard cash equivalents (A+B+C) Cash ud cash equivalents at the begiming of the period Cash and cash equivalents at ahe end of the period Components ofcash and cash equivalents; Cash on hmd Baluce with bmks in currcnt accomts Bank deposits for original maturity upto 3 months 696.54 633.38 (5.28) ( r,966.59) (32. l 0) 5, t90. l4 l 8.334.26 (2 l,782.38) (0.23) 13.81 4,184 90 I12.87 (9. l 8) (99.02) (6,653.5 l ) 37,243.64 3a,626.O3 40.9 | (60,823.29) 2.794.97 I 83.06 (3,266. l 5) 6t'|.46 16,146. l6 (276.8s\ 165.44 t2,15t.74 589.24 544.35 (0.41) tl.ll7 ll) (8 r .80) ( t0,982.05) 26,751.90 ( t0,944.70) 0.41 11.23 3,175. l5 I I t.86 (5.57) ( r 00.83) 1o,232.60 30,342.0t 55.83 25.042.s8 (3.03 L28) (26s.e3) (2s.73) 69.76 32.545.94 372.38 338.98 (7,174.651 8s,444.54 (6 6l I 63) I I 699.581 ( 13.786.28t 83,744.96 (602.80) 21.'77 ( r 8,200.00) (t3,2't,272.25\ t3 25 325 03 (880.90) 22.33 ( I 0.599.98) ( I 0.28.30 1.5 l ) 100223348 (20.72E.25',1 {37.526.58) 2.658.17 19.039.9t (21.500.00) 3,t4,502.2a (2,93,'t47.'18) (733.06) 27,442.69 (750.00) 4.352.93 (3e.857.37) 3,25,382.28 (2.t4,682.92) (650.50) 9,337.28 (25.'154.49\ 47-St2-21 5A-t27.2t 12,997.68 I 1A 267 56 1.01.345.59 64 024.61 t.5t.265.24 t.68.370.20 I,094.88 1,16,362.42 3:1 807 94 t,702.13 95,333.42 't I 334 65 1,5r,265.24 t,6E,370.20 CORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana - 122016, lndia REGISTERED OFFIGE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia E-MalllD Webglte : 165991 DL1 990P1C041 796 No :01244715400 : info@satincreditcare.com : www.satincreditcare,com
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SATIN SATIN CREDITCARE NETWORK LTD. Reachingout! Notes to the unaudited standalone financial results: I The above unaudited standalone financial results ol Satin Creditcare Network Limited ("the Company") lor the quarter and half year ended Seplember 30,2026 have been reviewed by the Audit Committee and approved by the Board ofDirectors at their respective meetings held on October 28.2026 and are limited reviewed by the Statutory Auditors ofthe Company pursuant to the requirement ofRegulations 33 and 52 read with Regulation 63 ofthe SEBI (Listing Obligations and Disclosure Requirements) Regulations,20l5 1as amended) including relevant circulars issued by SEBI from rime to time. 2 The unaudited standalone financial results have been prepared in accordance with applicable accounting standards. as notified under the Companies llndian Accounting Standards) Rules, 20 15. and as specified under Section 133 of the Companies Act, 2013, as amended from time to time. 3 During the quaner ended Seplember 30,2026, in accordance with provisions of the Companies Act, 20 I 3 read with Rules framed thereunder, and applicable provisions ofthe Securities and Exchange Board oflndia (Issue ofCapital and Disclosure Requirements) Regulations,20l8 ("SEBI ICDR Regulations"), Working Committee of Board ofDirectors, at its meeting held on August 3, 2026, upon receipt of an amount of { 2,502.50 lakhs, representing 25oh of the total consideration payable towards subscription ofWarrants. allotted 38,50,000 Fully Convertible Wanants ("Wanants") offace value of{ l0 each, on preferential basis, to Trishashna Holdings & Investments Private Limited, an entity belonging to Promoter & Promoter Group, in accordance with the applicable provisions of SEBI (lssue of Capital and Disclosure Requirements) Regulations, 20 I 8, as amended and other applicable laws and regulations. 4 The secured non-convertible debentures issued by the Company are fully secured by exclusive charge on the hypothecation ofbook debts/loan receivables to the extent il stated in the Information Memorandum /Key Infomation Document. Further, the Company has maintained asset cover as stated in the Information Memorandum/ Key Information Document which is sufficient to discharge the principal amount and interest at all times for the non-convertible debt securities issued. 5 During the quarter ended September 30,2026 the Company made investnrents aggregating to tl I ,000.00 lakhs in Satin Finseru Limited (a wholly orvned subsidiary) by subscribing to 2,91 ,66,667 equi(y shares of face value of { l0 each at an issue price of {24.00 per share (rncluding a premium of t 14.00 per share) and I ,63,26,53 I equity shares offace value of{10 each at an issue price of{24.50 per share (including a premium of{14.50 per share), offered on a right basis. 6 During the quarter ended September 30,2026, the Company made an investment aggregating to { I ,200.00 lakhs in Satin Growth Alternatives Limited (a wholly owned subsidiary) by subscribing to I ,20,00.000 equig* shares of face value { I 0 each at an issue price of ll 0.00 per share offered on a rights basis. Details of loans transfened / acquired during the quarter ended September 30, 2026 under the RBI Master Direction RBI/DORi2025- 261359DOR.ACC.REC.No.278l21.04.01812025-26 on Resewe Bank of India (Non-Banking Financial Companies - Financial Statements: Presentation and Disclosures) Directions,2025 dated November 28, 2025 are given below: (i) The Company has transferred certain loans which are not in default through direct assignment, details ofwhich are given below: Particulars Quarter ended September J0, 2026 i) Total nunrber ofloans assets assigned durinc the quarter 2.6t.002 ii) Book value ofloans assets assisned durins dre ouaner ({ in Lakhs) I 13 248 90 iii) Sale consideration received during the quarter ({ in Lakhs) l. I 3.248.90 iv) Interest spread recognised in the statement ofprofit and loss during the quarter (including mortization of unamortised interest spread) (t in Lakhs) I 3,258. I 3 v) Weishted averase maturitu of loans assets assisned (in Months) l8 71 vi) Weighted average holdins period ofloans assets assisned (in Months) 580 vii) Retention ofbeneficial economic interest on loans assets assigned (in9ln) 10'700/^ viii) Coverace oftangible securitv coveraqe Nil ix) Ratins-wise distribution ofrated loans Not Rated x) Agreed to replace loans transfened to transferee(s) or pay damages arising out of anv representation or warranty No GORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana -'122O16,lndia REGISTERED OFFICE: 5th Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia CIN :165991D11990P1C041796 Landllne No : 01244715400 E-MalllD ;info@satincreditcare.com Webelte : wwwsatincreditcare.com
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S^{IIN SATIN CREDITCARE NETWORK LTD. Reachingout! 1ii) The Company has acquired certain loans which are not in delhult through direct assignment, details ofwhich are given below: Particulars Quarter ended September 30, 2026 i) Total number ol-loans assets acquired during the quarter 8.089 ii) Book value ofloans assets acquired during the quarter (< in Lakhs) 5.290.98 iii) Sale consideration Paid during the quarter ({ in Lakhs) 5.290 98 iv) Weighted average maturity of loans assets acquired (in Months) 45.82 v) Weighted average holding period of loans assets acquired { in Months) 905 vi) Retention ofbeneficial economic interest by Assignor on loans assets acquired (in%il l0 00% vii) Coverage oftangible security coverage )7 760/^ viii) Ratinq-wise dislribution ol rated loans Not Rated ix) Agreed to replace loans transfened to transferee(s) or pay damages arising out of anv renresentation or wilrantv No (iii) The company has not transferred any NPA loans. (iv) The company has not acquired any stressed loans. (v) Disclosure relat€d to Co-Lending Arrangements (CLAs) as at Septenrber 30, 2026 on an aggregut. b^sis, Nil 8 Disclosures related to project finance under RBI Direction - RBV DOR/2025-26I357 DOR.STR.REC.276I21.04.04812025-26 Reserue Bank of India (Non-Banking Financial Companies - Resolution of Stressed Assets) Directions,2025 and RBI / DOR/ 2025-261347 DOR.CRE.REC.No.266/ 07-01-0 081 2025-26 - Reserue Bank of India (Non Banking Financial Companies-Credit Facilities) Directions,2025 dated 28 November 2025, as amended : The Company has not lent any funds during the quarter ended Seplember 30, 2026 lor project finance activities nor has any recoverable balance as at the same date. 9 of for as at 2O26 are given belorv: l0 Disclosure of resolution plan (relief measure) implemented, in 4 districts of State of Assam, in terms of Chapter VI-A - Resolution of Accounts Impacted by Calamities ofReserve Bank of India lNon-Banking Financial Companies - Resolution of Stressed Assets) Directions, 2025 dated2S November 2025 as amended from time to time:- Number of Accounts where resolution plan (relief measure) has been implemented Outstanding as on September f0,2026 ({ in Lakhs) 42-394 9.203.17 I I The Chief Operating Decision Maker reviews the operations at the Company level. The operations of the Company fall under "financing activities" only, which is considered to be the only reportable segment in accordance with the provisions oflnd AS 108 - Operating Segments. The Company operates in a single geographical segment, i.e. domestic. Recovery Rating Scale Anticipated r€covery as per recoverv rating Amount ({ in Lakhs) RR2 750/"-1000/" 5 9R4 3R RR3 50%-7504 2-203.06 Totel 8-1 87.44 CORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana -'122016,lndia REGISTERED OFFICE: 5th Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia ctN Landllne No E-MalllD Webglte : 165991 DL1 990PLC041 796 | 01244715400 : info@satincreditcare,com : www,satlncreditcare.com
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S.{TIN SATIN CREDITCARE NETWORK LTD. Reachingout! l2 Additional inlormation as required under Regulation 52(4) ofthe SEBI llisting Obligations and Disclosure Requirenrents) Regulation,2015 lamended) as presenred in below table: I 3 Previous yearlperiods figures have been regrouped/rearranged to make them comparable with the current year/period classification. For and on behalf of the Board of Directors of Satin Creditcare Network Limited Place : Gurugram Date : October 28,2026 q O A* Harvinder Pal Singh Chairman cum Managing Director DIN: 00333754.\* S,no Particulars For the period ended September 30, 2026 I Debteauiw ratio (no. of times) 292 2 Debt service coverage ratio Not aoolicable J lnterest seruice coverase ratio: Not aoolicablr 4 Outstandine redeemable orelerence shares louantiw and value): Nit 5 CaDital redemDtion reserue ({ in Lakhs) 2.777.00 6 Debenture redemption resewe ({ in Lakhs) Not apolicable 7 Net rvonh ({ in Lakhs) 3.41.17s l8 8 Net Drofit after tax ( { in Lakhs) 29.189 97 9 Earnines Der share: Basic ({) 26.53 Dilured r{) 26 53 l0 Current ratio (no. oftimes) Not applicable ll Long term debt to working capital (no. of times) Not applicable l2 Bad debts to Account receivable ratio Not aoolicable l3 Current liabilitv ratio (no oftimes) Not aoolicable t4 Total debts to total assets 0.71 l5 Debtors turnover Not applicable l6 Inventory turnover Not applicabl€ Operatine marein (%) Not applicable l8 Net nrofit marsin lYo) 19 680/, l9 Sector snecific eouivalent ratios- as annlicable: a) GNPA (%) L94% b) NNPA (%) o 170/" c) Provision Coverase Ratio (NPA) 9l.46yo dt Caniral Risk Adeouacv Rario ICRAR) 27 890/" e) Liouidrtv Coverase Ratio (LCR) 't3t.glvo CORPORATE OFFIGE: Plot No.492, Udyog Vihar, Phase - lll, Gurugram, Haryana - 122016,lndia REGISTERED OFFICE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia CIN :165991DL1990P1C041796 Landllne No t 01244715400 E-MalllD :info@satincreditcare,com Webslte : www.satincreditcare.com
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JCBHALLA&CO. CnnRTeRED AccouNTANTS BRANCH OFFICE : B-5, SECTOR-6, NOIDA - 2O1 3Ol (U.P.) rEL' : +er ' 120-4241ooo' 5il; -Ll;h?ilffi,ll"3l Independent Auditor's Limited Review Report on Statement of Unaudited Consolidated Financial Results of Satin Creditcare Network Limited for the quarter and half /ear sndsd September 30, 2026 pursuant to Regulations 33 and Regulation 52 rcad with Regulation 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2075, as amended To, The Board of Directors of Satin Creditcare Network Limited 1. We have reviewed the accompanying Statement of unaudited consolidated financial results of Satin Creditcare Network Limited (herein#ter referred to as "the Parent") and its subsidiaries and step down subsidiary (the Parent Company and its subsidiaries and step down subsidiary together referred to as "the Group"), for the quarter and half year ended September 30,2026 ("the Statement") attached herewith, being submitted by the Parent pursuant to requirements of Regulation 33 and Regulation 52readwith Regulation 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as arnended (hereinafter referred to as "the Listing Regulations"), which has been initialed by us for identification purpose. 2. This Statement, which is the responsibility of the Parent's Management and has been approved by the Parent's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standards 34, "Interim Financial Reporting" ('Ind AS 34'), prescribed under Section 133 of the Companies Act, 2013, ("the Act") as amended, read with relevant rules issued thereunder and other accounting principles generally accepted in India, read with the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review. 3. We conducted our review of the Statement in accordance with the Standard on Review Engagement (SRE) 2410, 'Review of Interim Financial Information Performed by the Independent Auditor of the Entity', issued by the Institute of Chartered Accountants of India (hereinafter referred to as "the ICAI"). This standard requires that we plan and perform the review to obtain moderate assurance as to whether the financial results are free of material misstatement. A review of interim financial information consists of making inquiries, primarily of the persons responsible for financial and accounting matters and apptying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing specified under Section 143(10) of the Act, and consequently, does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. We also performed procedures in accordance with the Circular No. CIR/CFD/CMD1,/44/2019 dated March 29,2019 as amended issued by the Securities and Exchange Board of India under Regulation 33(8) of the Listing Regulations, to the extent applicable. * HEAD OFFICE : B-17, Maharani Bagh, New Dethi - 110065
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4. The Statement includes the financial results of the following entities (together referred to as" the Group"): Sr. No. Name of the Company Relationship 1 Satin Creditcare Network Limited Parent Company 2 Satin Housing Finance Limited ltVholly owned subsidiary 3 Satin Finserv Limited Wholly owned subsidiary 4 Satin Technologies Limited Wholly owned subsidiary 5 Satin Growth Alternatives Limited ltVholly owned subsidiary 6 QTrino Labs Limited (formerly known as QTrino Labs Private Limited) Step Down Subsidiary 5. Based on our review conducted and procedures performed as stated in paragraph 3 above and based on ,the considerations of the review reports of other auditors referred to in paragraph 6 below, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principle laid down in the aforesaid Indian Accounting Standard ("Ind A9') prescribed under Section 133 of the Act, as amended, read with relevant rules issued thereunder and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of the Listing Regulations including the manner in which it is to be disclosed, or that it contains any material misstatement. 6. The accompanying Statement includes the unaudited financial results of four wholly owned subsidiaries and one step-down subsidiary, whose financial results reflect total assets of Rs. 3,05,350.91, lakhs as at September 30, 2026, total revenues of Rs. 12,615.67 lakhs and Rs. 22,998.45lakhs, total net profit/(loss) after tax of Rs. 665.64 lakhs andRs.1.,272.2L lakhs, total comprehensive income/(loss) of Rs. (669.90) lakhs and Rs. 487.92lakhs for the quarter and half year ended September 30,2026 respectively and cash inllow (net) of Rs. 14,983.33 lakhs for the half year ended September 30, 2026. These financial results have been reviewed by other auditors, whose reports have been furnished to us by the Management. Our conclusion on the Statement in so far as it relates to the amounts and disclosures in respect of such wholly owned subsidiaries and step-down subsidiary, is based solely on the reports of such other auditots, and the procedures performed by us as stated in paragraph 3 above. Our conclusion on the Statement is not modified in respect of the above matters with respect to our reliance on the work done and the reports of other auditors. ForfCBhalla&Co. Chartered Accountants Firm Regn No. 001111N (Rajesh Sethi) Parbrer Membership No. 085669 UDIN: 2-6 o I {6 6q T P qB l{, E2-27 o Place: Gurugram Date: October 28,2026 *
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SATIN Statement of Unaudited Consolidated [inancial Results for the quarter and halfyear ended September 30, 2026 SATIN CREDITCARE NETWORK LTD. Reachingout! Half vear ended Year ended September J0, 2026 June 30, 2026 September 30, 2025 September 30, 2026 September 30, 2025 March 31, 2026S. No Particula rs (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Audited) ll t2 .t 5 6 7 E 9 l0 l3 l4 t5 Income Revenue from operations Interest income Rental income Fees md cornmission income Net gain/(loss) on fair value changes Net gain on derecognition offinucial instruments Other operating income Total revenue from operations Other income Total income ( l+2) Erpenses Finance costs: (i) Interest cost (ii) Effects ofchanges in fbreign exchange rates Impairment of financial instruments Employee benefi t expenses Depreciation and amortisation expenses Other expenses Total expenses Profit before tax (3-4) Tax expense: Curent tax Tax adjustrnents related to earlier yers Defened tax chrge/(credit) Total tax expense Net profit after tax ($6) Other comprehensive income Items that will not be reclassified to profit and loss Income tax relating to items that will not be reclmsified to profit md loss Items that will be reclassilied to profit and loss Income tax relating to items that will be reclassified to profit ild loss Total other comprehensive income Total comprehensive income (7+8) Net profit aft€r tax attributable to: Omers of tlre Parent Non-controlling interests Other comprehensive income attributable to: Omers of the Puent Non-controlling interests Total comprehensive income attributable to: Omers of the Prent Non-controllin g intercsts Paid-up equity shue capital (face value of { I 0 per equity shile) Other equity Eaming per share (EPS) (face value of t l0 per equity share) - Basic (mount in { ) - Diluted (amount in { ) (EPS for the quarter ended September 30, 2026, June 30, 2026 nd Septernber 30, 2025 and halfyer ended Septernber 30, 2026, SeDtemb€r 30, 2025 re not mnualised) 75,470,0 I 9.l3 83 7.95 2,654.05 I 3,383.05 230.t4 92,584.J3 338.57 92,922.90 33,9t5.97 (4 l 0.67) 8,957.96 19,7 l3.5 I 895.50 6,386.47 69,458.74 23,464.t6 I,030.93 5,E73.Et 17,590.35 ( l,7l r.33) 426.t7 (1,s7s.24) l6,0ts.t l t7 ,59t .71 ( l .36) (t,57s ?4) t6.0t6.47 ( 1.36) I l,0l I .32 4,842.88 15.98 t 5,98 (387 31) 97.23 3 1,334.43 (6,242.84) t0,612.07 18,769. l0 793.5t 5,088.59 60,354.E6 16,tt9.67 7t,396.2t t1.24 885. I 7 (5,673.05) 9,409.24 I 84.83 76,213.64 260.89 76,474.53 4.593.09 682 (744.80) 3,855.t I t2,264.56 (24s.e8) 12,0 18.58 t2,267.04 (2.48) 12.021.06 (2.48) ll,0ll.32 (24s 98) lt.t5 I t.l5 (881.51) 22t.86 551.42 ( 137.75) 6l,282.55 l0 73 '152.48 8,888.44 7,014.30 t07.78 78,056.28 490 68 78,546.96 2't,013.21 7 .4 t 4.44 t4,333.55 t6,893 46 685.70 5,336.7 5 71,677.11 6,869.85 t,871 .46 1,554.28 5,3 t5.57 (3e l.0e) 4,924.48 5,3 15.57 I t,004.32 (39 l .09) 4.924.48 (317.t8) 4.83 4.83 (l 82.25) 45.'19 (340.26) 85.63 I,46,866.22 20.37 I ,723.12 (3,0 r 9.00) 22,'t92.29 4t4.97 t,68,797.97 599.46 1,69,397.43 65,250.40 (6,6s3.5 l ) 19,570.03 38,482.61 I,689.01 t 1,475.06 1,29,8 I 3.60 39,583.83 9.435.97 6.82 286.t3 9,728.92 29,E54.9t ( l,268 82) 319.09 ( 1,159.91 ) 288.42 (1,821.22',) 28,033.69 29,858.7s (3 84) 28.037.53 (3 84) I l,0l l .32 (t,82t .22) 27.14 z',t.t4 t,22,808.21 21.47 I ,250.01 12,t56.89 I 1,946.80 187.96 1,48,J7t.34 959 54 1,49,J30.88 53,905.23 t0,232.6t 28.62t.52 32,7 59.83 I,306.44 9,82?.44 1,36,653.07 12,677.81 ( 1,96 1 .74) 493.65 (2,079.r6) 7,746.19 l 1,004 32 (2,0'19.36) 7.746.t9 1.993.'t6 9,825.55 8.93 8.93 858.50 2,852.26 9,E25.55 (8 l 6.85 ) 205 58 2,46,255.19 4l .80 2,8t5.42 28,058.20 36,554.38 577 .96 3,14,J02.95 |,784.46 3,16,087.41 I,09,83 L84 2 I ,308.58 49,494.62 68,635.06 3,029.t9 20,582.72 2,72,882.01 43,205.40 2.307.75 (50 74) '7,727 .41 9,984.42 Jt,220.9E (2,933.69) '142.84 31,88.1.66 33,2 1 8.7 1 2.2'l 3 I.882.39 2.27 I 1,004.32 2,75,335.20 (r ( 30.20 30.20 I,140.09 (285.56) CORPORATE OFFIGE: Plot No. 492, Udyog Mhar, Phase - lll, Gurugram, Haryana -122O16,lndia REGISTERED OFFICE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia ctN Landllne No E-MalllD Webslte : 165991 DL1 990P1C041 796 | 01244715400 : info@satincreditcare.com : wwwsatincreditcare.com
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S,{TIN SATIN CREDITCARE NETWORK LTD. Reachingout! Unaudited Consolidated Statement ofAssets and Liabilities as at September 30, 2026 in La As at September 30, 2026 As at Nlarch 31, 2026 {l lnaudited) I tru.lifpdl Pa rticula rs t,78,561.57 6S Sg1 57 22,555.95 6 t 8.84 12,67,370.74 18,797 .53 6.035.65 1.50.580.56 74.525.60 2'7.039.52 813.92 I I,39,764.05 15,t22.6t 6.504 65 I 5.63.933.85 I 4, t4.350.9t 4,093.28 903.03 557 .78 I t,270.29 906.75 838.75 3,647 .36 188.66 5 98? 60 4.02',1.02 8'16 69 57t 78 I 1,065.t4 731 .43 45 t .75 3,647 .36 t64.04 ) '790 6t 28.393.50 24,325.82 1s.92.327.35 l43A^676.73 73 74 4,408.80 2,24,254.t2 9,28,464.72 18,454.37 56.t 55.38 t6.27 240.65 l74.ll 3.040.57 l .74.801 .32 9,02,245.64 22,098.91 38.76t.94 60.55 I 12.80 58t 93 12.62.068.05 I t.41.877.77 2,079.85 2,228.94 5,744.0t 2.427 .77 2.1 58.90 5,703.42 2. I 84.85 t2.480.57 10.047.17 u ,01 1 .32 3.06.266.94 I 1,004.32 2.7 5.335.20 3,17,278.26 500 47 412 2? 2,E6,JJ9.52 3.17,778.73 2.86.751.79 t5,92,327.35 14,38.676.73 ASSETS Financial assets Cmh and cash equivalents Bmk balmces other than cash and cash equivalents Derivative fi narcial insiruments Trade receivables Loms Investments Other finmcial assets Non-financial assets Current tax assets (net) Defened tu ass€ts Inet) Investment Property Property, plant and equipment Capital work-in-progress Intangible assets under development Goodrvi I I Other intilgible assets Other non-fi nancial assets TOTAL ASSETS LIABILITIES AND EQUITY LIABILITIES Financial liabilities Derivative fi nancial instruments Payables Trade payables (i) total outstanding dues of micro enterprises and srall enterpris€s (ii) total outstanding dues of creditors other than nricro enterprises and snrall enterprises Other payables (i) total outstandirg dues ofmicro enterprises md small enterprises (ii) total outstmding dues ofcreditors other thar micro enterprises and small enterprises Debt securities Borrowings (other thar debt securities) Subordinated liabilities Other fi nmcial liabilities Non-fi nancial liabilities Current til liabilities (net) Provisions Defened tu liabilities (net) Other non-fi nancial liabilities EQUITY Equity shae capital Other equity Equity attributable to owner of Parent Non-controlling interest Total Equity TOTAL LIABILITIES AND EQUITY (Y () ,i'*- ..-' CORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana - 122016, lndia REGISTERED OFFIGE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia CIN :165991D11990P1C041796 Landllne No : 0124-4715400 E-MaillD ;info@satincreditcare.com Webslte : www.satincreditcare.com
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SAIIN CORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana - 122016, lndia OFFICE Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia CIN : L65991D11990P1C041796 Landllne No : 01244715400 E-MalllD :info@satincreditcare.com Webglte : www.satincreditcare.com SATIN CREDITCARE NETWORK I.iTD. Reachingout! Unaudited Consolidated Statement ofCash Flows for the halfyear ended September 30, 2026 Particulars For the half year ended Seotember 30. 2026 For the halfyear ended SeDaember 30. 2025 (Unaudited) (tlnaudfted) 847.24 84t .77 ( 10.84) (2,171.14) 5,1 90. 1 4 I 9,570.03 122,792.29) I 14.18 306.95 4,75 t .08 205.52 (9. l 8) (6,653.5 l ) I 95.08 (l.25,939 65) 4,532.03 478.2t (3,2 l 9.84 ) 830.05 I 7,2 t5.35 (282.1s) 242 92 3e.583.83 39,773.78 688. I 9 618.25 0.89 ( 1.1 74 84) ( I 0,982.05) 28,621.52 ( I t,946.80) 32.42 97.21 3,530 82 140.88 ( 5.57) t0,232.60 (877.491. l4,lzz.92 (3,84 1.95) (690.81 ) (1 24) 164.t0 32,694 84 415.22 175 65 t2.6'77 8l 32,526.33 t66.174.52\ 71,687.57 ( 7.093.57) ( 1.550.56) {73.268.09) 73. I 37.0r (9s5. l 5) 44.25 (443.9r) (t3,27,9'72.25) I 3-25-567.38 (979.34) 36.52 \87 .'79) ( 1 0,2e,035.1 0) 10.02.233.48 (3.759.68) (27.832.23\ 2,658.17 't7,987.46 t29,9t5.6'1) 3,5t,826.52 (3.22,841.7s\ 92.04 (990.67) 27,442.68 (l 25000 t0,296.94 (4 I .857.37) 3,55.383.06 (2.3 5.829.5 7) (743.e6) 9,33',1.28 (26 254 49\ l-05.008.78 70.33 t.89 27,981 .01 1.50.580.56 I ,t 5,636.67 72.904.57 1.78.56 I.57 1.88.54 1.24 I,154.30 1.34.286.03 43.t2t.24 I,996.44 I,03,465.98 83.078.82 A Cash flow from operating ectivities Profit before tax Adjustments for: Depreciation ard mortisation Depreciation of right-of-use assets Net loss / (gain) on derecognition ofproperty, plant and equipment Fair value gain on investments Unrealised (gain) / loss on lair value changes ofderivatives and investments Lnpainnent on finmcial instruments Net gain on sale of loan portfolio through assignrnent First loss default guarantee expenses / (reversal) Shue based payment to enlployees Effective interest rate adjustment for finarcial instrumelts hlterest expense for leasing mangements Net gain on termination of leases Unrealised excharge fluctuation loss (net) Operating profit before working capital changes lVlovement in working capital (lnctease)/decrease in trade receivables (lncrease)/decrease in loms (lncrease)/decrease in other bark balances llncrease)/decrease in other finmcial assets (lncrease)/decrease in other non-finmcial assets hrcrease/(decrease) in trade and other payables lncrexe/(decrease) in other financial liabilities Increase/(decrease) in provisions lncrease/(decrcase) in other non-tinancial liabilities Cash generated fi'om/ (used in) operating activities post working capital changes Income tares paid (net) Net cash generated from/ (used in) operating activities (A) B Cash flows from investing activities Purchase of property, plant and equipment (including capital work in progress and capital advmces) Proceeds fiom sale ofproperty, plart ard equipment Purchase of intmgible assets (including intargible asset under development) Purchase of investments Sale of investments Net cash used in invsting activities (B) C Cash flows from financing activities Proceeds from issue of equity shues & shre wmmts (including premium) Proceeds fiom debt securities Repayment oI debt securities Proceeds from bonowings other than debt securities Repayment ofbonowings other thm debt securities Proceed fionr non-conlrolling interest Lease paynents Proceeds llom subordinated liabilities Repaynrent of subordinated liabilities Net cash generated from financing activitis (C) Net increase / (decrease) in cash and cash equivalents (A+B+C) Cash and cash equivalents at the beginning ofthe period Cash and cash equivalents at the end of the period Components of crsh and cash equivnlents: Cash on hud Balmce with banks in cunent accounts Bark deposits for original maturity upto 3 nronths -',..G\- 1.7E.561.57 l,88,54 t.24 eO
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SATIN SATIN CREDITCARE NETWORK I,'TD. Reachingout! Notes to the unaudited consolidated financial results: The above unaudited consolidated linancial results of Satin Creditcare Network Limited ("the Parent Company") fbr the quarter and half year ended September 30,2026 have been reviewed by the Audit Committee and approved by the Board of Directors at their respective meetings held on October 28, 2026 and are limited reviewed by the Statutory Auditors of the Parent Company pursuant to the requirement of Regulations 33 and 52 read with Regulation 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations. 2015 (as amended) including relevant circulars issued by SEBI from time to time. 2 TheunauditedconsolidatedfinancialresultsoftheParentanditssubsidiaries/stepdownsubsidiary(collectivelyreferredas"theGroup")includestheresuls of the following subsidiary companies: Name of subsidiaries / step down subsidiary o/" shareholdins Satin Housing Finance Limited 100.00% Satin Finserv Limited l 00.00% Satin Technoloeies Limited 100.00% Satin Growth Alternatives Limited 100.00% QTrino Labs Limited (formerly known as QTrino Labs Private Limited) 67.88Vo 3 The unaudited consolidated financial results have been prepared in accordance with applicable accounting standards. as notified under the Companies (lndian Accounting Standards) Rules,20l5 and as specified under section 133 of the Companies Act, 2013, as amended from time to time. 4 The secured non-convertible debentures issued by the respective companies are lully secured by exclusive charge on the hypothecation of book debts/loan receivables to the extent as stated in the Information Memorandum /Key Information Document. Further, respective companies have maintained asset cover as stated in the Information Memorandum/ Key lnforrnation Document which is sufficient to discharge the principal amount and interest at all times for the non-convertible debt securities issued. During the quarter ended September 30,2026, the Group has allotted following Non-Conve(ible Securities (including Debentures) on private placement basis:- a)T5,000senior,secured,rated,listed,redeemable,taxablenon-convertibledebenturesoffacevalueof{ l0,000eachaggregatingtot 7,500.00Lakhs allotted on July 23,2026. b) 8,500 senior, secured, rated, Iisted, redeemable, taxable non-convertible debentures offace value oft 1.00,000 each aggregating to { 8,500.00 Lakhs allotted on JuJy 29,2026. c) 125,000 senior, secured, rated, listed, redeemable, taxable non-convertible debentures offace value of{ 10,000 each aggregating to t 12,500.00 Lakhs allofted on August I l, 2026. d) 50,000 senior, secured, rated, listed, redeemable, taxable non-convertible debentures offace value of{ 10,000 each aggregating to t 5,000.00 Lakhs allotted on August 19,2026. e) 10,000 senior, secured, rated, listed, redeemable, taxable non-convertible debentures of face value of { 1,00,000 each aggregating to < I 0,000.00 Lakhs allotted on August 27, 2026. 6 DuringthequarterendedSeptember30,2026,inaccordancewithprovisionsoftheCompaniesAct,20l3readwithRulesframedthereunder,andapplicable provisions ofthe Securities and Exchange Board ofIndia (lssue ofCapital and Disclosure Requirements) Regulations,20lS ('SEBI ICDR Regulations"), Working Committee of Board of Directors of the Parent Company, at its meeting held on August 3,2026, upon receipt of an amount of { 2,502.50 lakhs, representing 25Voof the total consideration payable towards subscription of Warrants, allotted 38,50,000 Fully Convertible Warrants ("Warrants") of face value of { l0 each, on preferential basis, to Trishashna Holdings & Investments Private Limited, an entity belonging to Promoter & Prornoter Group, in accordance with the appticable provisions of,SEBI (lssue ofCapital and Disclosure Requirements) Regulations, 2018, as amended and other applicable laws and regulations. 7 During the quarter ended September 30, 2026 the Parent Company made investments aggregating to { I I ,000.00 lakhs in Satin Finserv Limited (a wholly owned subsidiary) by subscribing to 2.91,66,667 equity shares of face value of { l0 each at an issue price of {24.00 per share (including a premium of t 14.00 per share) and 1,63,26,531 equity shares offace value of{10 each at an issue price of{24.50 per share (including a premium oftl4.50 per share), offered on a right basis. GORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana - 122016, lndia REGISTERED OFFIGE: Sth Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia ctN Landllne No E-MalllD Webslte : 165991 DL1 990P1C041 796 | 01244715400 : info@satincreditcare.com : www.satincreditcare.com
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SATIN SATIN CREDITCARE NETWORK ITD. Reachingout! 8 DuringthequarterendedSeptember30,2026,theParentCompanymadeaninvestmentaggregatingto{1,200.00 lakhsinSatinGrowthAlternativesLimited (a wholly owned subsidiary) by subscribing to I ,20,00,000 equity shares of face value { I 0 each at an issue price of { I 0.00 per share offered on a rights basis. 9 During the quarter ended September 30,2026, the name of "QTrino Labs Private Limited", a step down subsidiary of the Parent Company has been changed to "QTrino Labs Lirnited" vide RoC order dated Jdy 15,2026. l0 The Chief Operating Decision Maker reviews operations at the Group level. The operations of the Group companies lalls under "financing activities" majorly, which is considere d to be reportable segment in accordance with the provisions of Ind AS I 08 - Operating Segments. Satin Technologies Limited, Satin Growth Altematives Limited and QTrino Labs Limited currently do not have any reportable segment in accordance with the provisions of Ind AS 108 - Operating Segments. The Group operates in a single geographical segnent, i.e. domestic. I I Additional information as required under Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulation,2015 (amended) as presented in below table: l2 Previous yearlperiods figures have been regrouped/rearranged to make them comparable with the current year/period classification. For and on behalfofthe Board ofDirectors of Satin Creditcare Network Limited o: L) <-\^ Harvinder Pal Singh Chairman cum Managing Director DIN:00333754 Place: Gurugram Date : October 28.2026 * S.no Particulers For the period ended September 30, 2026 I Debt-equity ratio (no. of times) 3.81 2 Debt service coverage ratio Not aoolicable 3 Interest service coverage ratio: Not applicable 4 Outstanding redeemable preference shares (quantity and value); Nil 5 Capital redemption reserve ({ in Lakhs) 2.777.00 6 Debenture redemption reserve ({ in Lakhs) Not aonlicable 7 Net worth ({ in Lakhs) 3.14.1 13.13 8 Net profit after tax ({ in Lakhs) 29,854.9t 9 Eamings per share: Basic 27.14 Diluted 27.t4 l0 Current ratio (no. of times) Not aoolicable ll Long tenn debt to working capital (no. oftimes) Not anplicable t2 Bad debts to Account receivable ratio Not aoolicable l3 Cunent liability ratio (no. of times) Not aoolicable t4 Total debts to total assets 0.76 l5 Debtors turnover Not aoolicable l6 Inventory turnover Not aoolicable l7 Operating margin (%) Not anolicable l8 Net profit margin (%) 17.62% GORPORATE OFFIGE: Plot No.492, Udyog Mhar, Phase - lll, Gurugram, Haryana - 122016, lndia REGISTERED OFFICE: 5th Floor, Kundan Bhawan, Azadpur Commercial Complex, Azadpur, New Delhi- 110033, lndia ctN Landllne No E-MalllD Webslte : L65991 DL1 990P1C041 796 | 01244715/00 : info@satincreditcare.com : www,satincroditcare.com