Q2 FY27 business update: AUM growth, disbursements, asset quality and funding

Satin Creditcare's Q2 FY27 business update shows continued growth with better asset quality.

Wed 7 Oct 2026

Consolidated AUM

~₹16,600 crore, up ~31% YoY

H1 FY27 Consolidated Disbursements

₹7,192 crore, up 48% YoY

Standalone GNPA

down to 1.9% from 3.5%

Business update for the September 2026 quarter

Satin Creditcare Network Ltd has shared a business update for Q2 FY27, the quarter ended September 30, 2026, with the stock exchanges. It is a set of operating numbers shared by the company, and the company notes the figures are provisional.

Scale of the book

• Consolidated AUM stood at ~₹16,600 crore as on September 30, 2026, compared with 12,687 crore as on September 30, 2025, a rise of ~31%.
• Standalone AUM was ~₹13,600 crore, against 11,044 crore a year earlier, a rise of ~23%.
• Compared with June 30, 2026, consolidated AUM moved from 15,935 crore and standalone AUM from 13,312 crore.
• The non-MFI share of the book was 20%, against 15% a year earlier and 19% in the previous quarter.

Disbursements

• Consolidated disbursements for H1 FY27 were ₹7,192 crore, up 48% from 4,868 crore in H1 FY26.
• Standalone disbursements for H1 FY27 were 6,109 crore, up 36% from 4,487 crore.
• In Q2 FY27, consolidated disbursements were 3,697 crore, against 2,626 crore in Q2 FY26 (up 41%) and 3,495 crore in Q1 FY27.
• Standalone Q2 FY27 disbursements were 3,101 crore, against 2,421 crore (up 28%) and 3,008 crore in Q1 FY27.

Asset quality

• Standalone GNPA was 1.9% as on September 30, 2026, against 3.5% as on September 30, 2025, a change of -158 bps.
• The company links the lower GNPA to an improvement in asset quality.

Funding, collections and reach

• The company raised ₹2,628 crore in Q2 FY27 through diversified debt instruments.
• Marginal cost of borrowing, excluding sub-debt, was reduced by 55 bps YoY to 10.28% in Q2 FY27.
• X-Bucket collection efficiency for Q2 FY27 was ~99.8%.
• New borrowers of ~1.9 lakhs were added in Q2 FY27, taking the total standalone client base to 33.3 lakhs.
• 39 new branches were added in Q2 FY27, taking the standalone network to 1,876 branches.
• Team strength was 16,535, an 8% YoY growth at standalone level.

How to read this

A business update is a company's own snapshot of operating performance, shared ahead of its full financial results. It shows the direction of the loan book, how much was lent during the period, how asset quality is trending, and how the company is funding its operations. Retail investors commonly use such updates to track operating trends.

The company's own framing is that growth continued despite seasonal Q2 softness, with asset quality improving and borrowing costs easing. The update states that the numbers are provisional unaudited figures and are subject to review by statutory auditors and approval by the audit committee and board of directors.

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