Satin Creditcare Network Details Key Operational Metrics and ESG Commitment in Financial Year 2025-26

Satin Creditcare Network Details Key Operational Metrics and ESG Commitment in Financial Year 2025-26​

Satin Creditcare Network Limited, a major player in microfinance services, has reported key operational and sustainability indicators for the financial year (FY) 2025-26. The company maintains a strong focus on digital transformation, social impact, and responsible lending practices as part of its commitment to ethical business conduct.

The institution, incorporated on October 16, 1990, reported a paid-up capital of INR 1,10,47,09,650. With microfinance services accounting for 86.63% of the entity's turnover, Satin Creditcare serves a vast network across 30 states.

Client Base and Operational Strength​

The company reports serving over 3.2 million clients, primarily focusing on economically active women in rural and semi-urban areas who represent low-income households underserved by traditional financial channels.

In terms of workforce management, the company recorded a total employee count of 16,714 as of the end of FY 2025-26. This includes 16,212 permanent employees and 502 other than permanent employees. The gender breakdown shows that 95.08% of total employees are male (15,892), and 4.92% are female (822).

Regarding operational processes, the company has embraced digital transformation, noting that almost all its branches operate paperlessly. Furthermore, the corporate office is equipped with solar panels, and a Solar Reflective Index (SRI) coating was applied to the rooftop of the building to enhance energy efficiency.

Social Impact and Risk Mitigation​

The organization's leadership and processes are structured around mitigating various inherent risks while capitalizing on opportunities for financial inclusion. Key material issues identified include Unsecured Lending (Risk), Financial Inclusion (Opportunity), Responsible Lending (R&O), Data Privacy (Risk), and Climate Change (R&O).

A significant aspect of the company’s commitment is its focus on responsible lending, which provides tailored financial solutions like clean energy loans, water loans, sanitation loans, consumer loans, and agricultural/trading-related microcredit to uplift weaker sections of society.

In terms of grievance management, the company recorded 1,852 complaints from customers in FY 2025-26, with zero pending resolution at the close of the year. Employees registered 229 grievances regarding working conditions during the same period.

The company also upholds rigorous ethical standards through policies such as a Code of Conduct and a Human Rights Policy. The Board is overseen by Dr Harvinder Pal Singh, Chairman cum Managing Director, who also chairs the CSR and ESG Committee.

Sustainability Performance Overview​

Satin Creditcare’s commitment to environmental stewardship is reflected in its resource management practices across its corporate office:


The company's waste management processes include dedicated handling of e-waste and non-hazardous waste generation, with plastic waste generated at 1,680 metric tonnes in FY 2025-26, compared to 1,659 metric tonnes in FY 2024-25.

Employee Welfare Highlights​

The company demonstrates a strong focus on employee well-being and benefits:

• Career Development: The appraisal process involves performance reviews, offering opportunities like job rotations and cross-functional projects for employees.
• Benefits: Employees are provided various support systems, including Group Term Life (GTL) coverage ranging from INR 10 Lakhs to INR 1 Crore, Employee Deposit Linked Insurance (EDLI) at a fixed rate of INR 7 Lakhs, and Group Personal Accident Policy (GPAP) covering INR 10 Lakhs.
• Fatalities Support: In the event of an employee fatality, the company provided comprehensive support, including a monthly payment of INR 10,000 to the nominee(s).

Financial and Stakeholder Engagement​

The company maintains strategic affiliations with industry bodies such as Sa-Dhan, Microfinance Institutions Network (MFIN), ASSOCHAM, and FIDC. Management continues to advocate for the industry’s interests at national platforms, with the CMD associated with FICCI in the NBFC committee. The company's processes are designed to ensure transparency across its loan products, detailing terms like Annual Percentage Rate (APR) and processing fees clearly on all customer documents.

SATIN Stock Price Movement​

Shares of Satin Creditcare Network Limited are edging higher to ₹257.56 as of 2:58 PM today, gaining 0.96%. The stock is trading on a volume of 265,999 shares, maintaining its intraday stability near the high of ₹260.39.