Medium Risk

Satin Creditcare Network Limited

Our business operates on the Joint Liability Group model to offer collateral free micro-credit to economically active wo

CIN: L65991DL1990PLC041796 FY: - Revenue: ₹2,376.8 Cr
5.4
ESG Risk
Score /10
Compliance RiskEpr ExposureGhg Intensity

Risk Breakdown

GHG Intensity
5.0
Water Intensity
5.0
Waste Intensity
1.8
EPR Exposure
6.5
Compliance Risk
10.0
HR Risk
3.0
Governance Risk
3.0

Financial Exposure

Est. Compliance Cost₹4–14 crore
EPR ApplicableUnknown
Scope 1 Emissions— tCO2e
Scope 2 Emissions— tCO2e
Water Withdrawal— m³
Waste Generated21,812.0 T

Governance

Anti-Corruption PolicyYes
Conflict of Interest PolicyYes
BRSR AssuranceNone
Assurance Provider

Double Materiality

Financial Materiality5.4
Impact Materiality4.7
QuadrantFinancially Material

Supply Chain

MSME Sourcing—%
Lifecycle AssessmentNo
Product ReclaimYes

Material Risks

e-waste

AI Risk Summary

**Financial Risk Summary: Satin Creditcare Network Limited** Satin Creditcare faces its largest financial exposure through **compliance risk (10.0/10)**, with estimated remediation costs of ₹4–14 crore for unresolved BRSR reporting obligations and unclear EPR (Extended Producer Responsibility) applicability under SEBI BRSR Core Expansion mandates. The company must immediately clarify its EPR exposure status (currently unknown) and establish baseline Scope 1 & 2 emissions reporting to avoid SEBI enforcement action, potential stock delisting, and reputational damage in the microfinance sector where ESG credibility drives investor access. With zero reported GHG emissions despite ₹2,376.8 crore revenue, the company likely faces data quality issues that compound regulatory risk—priority should be conducting an emissions inventory audit and governance framework overhaul to demonstrate genuine ESG management versus regulatory avoidance.

Source: Satin Creditcare Network Limited BRSR Filing, FY -. Derived from the company's own public disclosures. Not investment advice or a regulatory determination.

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