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×

satya microcapital Limited

200.00
+ 0.00 %
Scrip Name
Satya Micro
ISIN No.
INE982X07143
PAN No.
AAACT2834L
Face Value
10
No. of Outstanding Shares
48,724,506
Market Capitalization
974.49 Crore

Satya MicroCapital Limited

About The Company

SATYA has adopted a unique Limited Liability Group (LLG) Model for extending loans and ensuring repayment. The company’s LLG model distributes the liability among each group member which exists only up to 10% of Loan Tenure in bi-weekly collections. Through the model, the company aims to add a social touch to lending by integrating modern technology into the Micro Finance industry.

Satya MicroCapital Limited primarily caters to women who own businesses and are looking for means of expansion. The group lending model allows groups of borrowers to share the liability and responsibility to repay loans while helping them build a strong credit profile to avail finance from traditional financial institutions.

Along with the afore-mentioned LLG loan product, SATYA offers a diverse range of unique Loan Products to cater to its wide client base. Furthermore, the company provides prompt, convenient, and affordable collateral-free credit to people at the bottom of the pyramid through a strong credit assessment and centralized approval system.

SATYA began its microfinance operations in January 2017. The company utilized demonetization as an opportunity to rework the business strategy through cashless transactions. SATYA is an institution built with a vision of change, transformation and is a differentiator in the financial inclusion space and its approach is well recognized by industry experts and professionals across different sectors. It is committed to being a socially responsible organization with a focus on Health, Education, Financial Literacy, Nasha-Mukt Samaaj, Gender Equality, and Swachh Bharat. The Company is spreading social awareness messages in its area of operations.

Currently, SATYA has established 245 branches in 174 districts in 21 states (Assam, Bihar, Chandigarh, Chhattisgarh, Delhi, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Madhya Pradesh, Odisha, Pondicherry, Punjab, Rajasthan, Tamil Nadu, Tripura, Uttar Pradesh, Uttarakhand, and West Bengal).

INCORPORATION DETAILS


CIN

U74899DL1995PLC068688

Registration Date

18 May 1995

Category/Sub-category of the Company

Company limited by Shares

Address of the Registered office and contact details

519 5th FLOOR, DLF PRIME TOWERS,

Okhla Industrial Area, Phase-1,

Delhi- 110020, INDIA

Name, Address and Contact Details of

Registrar and Transfer Agent, if any

Link Intime India Private limited

C 101, 247 parks, 1st floor, LBS Marg,

Vikroli (W), Mumbai- 400 083

Tel. No.: 2225946970


BOARD OF DIRECTORS

Mrs. Surekha Marandi

Mr. C.P. Mohan

Mr. Mukul Jaiswal

Mr. Naveen Surya

Mr. Saneesh Singh

Mr. Sanjay Gandhi

Mr. Taejun Shin

Mr. Vivek Tiwari

Dr. Ratnesh Tiwari


Shareholding Pattern

Shareholders’ Name

Number of shares

% of total Shares of the company

GOJO & Company Inc.

2,41,38,315

49.54%

Vivek Tiwari

1,16,16,200

23.84%

Dia Vikas Capital Private Limited

67,73,475

13.94%


Industry Outlook

As of March 31, 2021, the microfinance industry served 5.93 crores, unique borrowers, through 10.83 crore loan accounts. The overall microfinance industry’s gross loan portfolio (GLP) surged by 11.9%  to Rs 2,59,377 crore as of March 31, 2021, from Rs 2,31,787 crore as of March 31, 2020, says a report. The growth was driven by an addition of 4 lakh borrowers during the pandemic-struck 12-month period ending March 2021, according to a report Micrometer, released by Microfinance Institutions Network (MFIN). MFIN is an industry association comprising 58 NBFC-MFIs and 39 associates including banks, small finance banks (SFBs), and NBFCs. As of March 31, 2021, the microfinance industry served 5.93 crores, unique borrowers, through 10.83 crore loan accounts.

NBFCs account for another 8.36%  and other MFIs account for 1.05% of the total microfinance universe, it said. The report further showed that the gross loan portfolio of NBFC-MFIs increased by 11% to Rs 81,475 crore as of March 31, 2021, compared to Rs 73,412 crore as of March 31, 2020. This GLP on NBFC-MFIs includes owned portfolio of Rs 68,894 crore and managed portfolio of Rs 12,581 crore, it said.

The association said its NBFC-MFI members disbursed Rs 57,891 crore of loans in fiscal 2020-21 through 1.70 crore accounts. The average loan amount disbursed per account during FY20-21 was Rs 35,726, an increase of around 20% in comparison to the last financial year, the report said.

During FY2020-21, NBFC-MFIs received a total of Rs 40,797 crore in debt funding which is 9.2% higher than FY2019-20. Total equity of the NBFC-MFIs grew by 15% to Rs 18,663 crore as of March 31, 2021.


KEY FINANCIALS

  

STANDALONE BALANCE SHEET AS AT 31st March 2021   (Rupees in Million) 





Particulars

2021

2020



ASSETS





Financial Assets





Cash and Cash equivalents

1689.14

471.83



Other Bank balances

1477.19

981.78



Trade receivables

107.42

22.29



Loan Portfolio

12416.00

9172.52



Other Financial Assets

44.45

113.70



Total Financial Assets

15464.20

10762.12



NON Financial Assets

 

 



Current tax assets

29.38

62.92



Deferred tax Assets

72.14

45.31



Property plant and equipment

75.74

43.76



Intangible Assets

0.87

0.75



Other Non Financial Assets

231.05

120.34



Total Non Financial Assets

409.18

273.08



TOTAL ASSETS

15873.38

11035.20



EQUITY AND LIABILITIES





EQUITY





Equity Share Capital

458.50

304.47



Other Equity

3585.79

1413.22



TOTAL EQUITY

4044.29

1717.69



LIABILITIES





Financial Liabilities





Debt Securities

2851.39

2425.84



Borrowings

7845.09

6678.97



Subordinated Liabilities

574.28

125.72



Other Financial Liabilities

479.19

60.54



Total Financial Liabilities

11749.95

9291.07



Non-FinancialLiabilities





Provisions

25.24

13.40



Other Non-FinancialLiabilities

53.90

13.04



Total Non FinancialLiabilities

79.14

26.44



TOTAL LIABILITIES

11,829.09

9,317.51



TOTAL EQUITY AND LIABILITIES

15,873.38

11,035.20





STANDALONE STATEMENT OF PROFIT AND LOSS (Rupees in Million)

Particulars

2021

2020

2019

Revenue from Operations




Interest Income

2444.99

1973.52

977.93

Fee and Commission

114.64

14.96

11.29

Net Gain on Derecognition of Financials

108.01

96.56

15.6

Total Revenue from Operation

2667.64

2085.04

1004.82

Other Income

4.54

1.09

12.25

Total Revenue

2672.18

2086.13

1017.07

 change %

28.09%

105.11%


EBITDA

1456.64

1296.44

615.05

Change %

12.36%

110.79%


EBITDA Margin

54.51%

62.15%

60.47%

EBIT

1429.18

1270.01

599.05

EBIT Margin

53%

61%

59%

DEP

27.46

26.43

16

FINANCE COST

1278.12

1159.04

602.47

Profit before tax

151.06

110.97

-3.42

Tax Expense I Current Taxes

75.62

44.78

13.56

Taxation for earlier years

0

0.32

0

Deferred tax

-26.73

-9.42

-14.35

Total Tax Expense

48.89

35.68

-0.79

PAT

102.17

75.29

-2.63

Profit Margin

3.82%

3.61%

-0.26%

No of Shares

4,87,24,506

3,33,21,728

2,64,09,830

EPS(in Rs.)

2.57

2.48

-0.12



DIVIDEND HISTORY




Particulars

2021

2020

2019

Dividend (final + interim) (In Rs.)

0

0

0


 

OPERATIONAL HIGHLIGHTS

During the year under review, the company’s Gross Loan portfolio as of 31 march 2021 stood at Rs. 1476.16 Crores as against Rs. 1007.85 Crores as of March 31, 2020, showing an increase of 46.67%. As of March 31, 2021 company has had distributed loans to 4,99,164 clients. The total revenue has shown a growth of 28.09%. PBT  has increased by 36.13% whereas Pat has increased by 35.71%.

Capital Adequacy ratio is also known as CRAR has improved compared to last year, In FY 2020 it was 25.47% whereas in FY 2021 it is 34.62%

Net NPA’s during the previous year was Rs.5.10 Crores whereas in FY 2021 it is Rs.8.02 Crores

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