Investor Presentaiton
Diversification with allied product offerings
TAROOSHNA
T
CARVING
YOUR
FUTURE
Satin™
Housing
Finance Ltd.
THE ANSWER IS HOME
SFL
Satin Finserv Limited
SATIN
>>>
>>>
Taraashna Financial Services Ltd - TFSL
Acting as a business correspondent, TFSL
provides credit to clients in rural and semi-
urban areas on behalf of partner banks and
NBFCs
The cashless disbursement percentage has
reached 99% of TFSL's total disbursement for
Jun'21; 7% collection through cashless mode
Satin Housing Finance Ltd (SHFL)
>>
100% retail book comprising of:
»
>>
Affordable home loans - 79%
Satin Finserv Limited (SFL)
Incorporated in Aug'18, got license from RBI to
start business in Jan'19
Standalone credit rating of CARE BBB- (Stable)
Loan against property - 21%
>>>
Gross Loan Portfolio of Rs 125 crore
>>
Excellent portfolio quality since inception,
Collection Efficiency of ~95% during Q1FY22
CRAR for Q1FY22 is 85.6%
>>>
>>>
TFSL has a low-risk business model which is
highly capital efficient
Mainly caters to clients belonging to Middle and
Low-Income Groups in peripherals of Tier II and
below cities
>>>
Total equity stands at Rs 106.5 crore
Business focus on secured retail MSME lending
>>>
AUM stood at Rs 671 crore, with presence
across 7 states
>>>
CRAR of 95.8% and gearing of 1.3x. Total equity
stands at Rs 93.7 crore
»
>>>
The Company operates through 213 branches,
and has more than 3.7 lacs clients
>>>
Total AUM Rs 224 crore including DA of Rs 20
15 Branches across 8 states with 1,747 active loan
clients
SFL has migrated to in-house software
crore
>>>
TFSL now sources business for SCNL & SFL under
Nai Roshni
>>
Three consecutive profitable quarters despite
challenging business environment
>>> Standalone rating of CARE BBB (Stable)
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