Satya Microcapital Limited is a Delhi-based "NBFC-MFI" incorporated in 1995. It started operations under current shareholders in November 2016 with a vision to start a new-age microfinance company. Satya primarily caters to women who own businesses and are looking for expansion means. As of March 2023, Satya has established a presence in 22 states serving 279 districts through a network of 449 branches covering over 45,378 villages. Satya's book size was INR 4684.30 Cr by the end of March 2023, covering over 13.63 lakh loan accounts.
The leadership team at Satya Microcapital consists of highly experienced professionals with a wealth of expertise in finance and operations:
Mr. Vivek Tiwari is the Founder, Managing Director, and CEO of SATYA MicroCapital. With over two decades of experience in the microfinance and development sector, he has been instrumental in steering SATYA’s growth and promoting financial inclusion across India. Prior to establishing SATYA in 2016, he worked with Satin Creditcare Network Limited for eight years
As of March 31, 2024, Satya MicroCapital reported a net worth of ₹1,026 crore, up from ₹1,065 crore as of September 30, 2024. The company achieved a profit after tax (PAT) of ₹96 crore in the first nine months of FY 2024, compared to ₹53 crore in the same period of FY 2023. Its assets under management (AUM) stood at ₹5,423 crore as of December 31, 2023, reflecting an annualized growth of approximately 22%. The capital adequacy ratio (CAR) was 24.76% as of December 31, 2024, indicating a strong capital position. The company plans to raise additional equity capital of around ₹580 crore by FY 2025 to support future growth and maintain adequate capitalization.
As of April 2025, Satya MicroCapital Limited holds a credit rating of [ICRA]BBB+ (Stable) for its long-term debt instruments, indicating a moderate degree of safety regarding the timely servicing of its financial obligations. Additionally, the company has been assigned a BBB+ (Stable) rating for its subordinated debt by CRISIL Ratings. These ratings highlight that Satya MicroCapital is viewed as having a stable financial position with a moderate credit risk, providing investors with a reasonable assurance of its ability to service its debts in a timely manner.
Get answers to the most frequently asked questions by retail investors
The minimum investment amount is ₹1,00,000 per bond.
Interest is paid on a monthly basis.
The bonds will mature on February 26, 2026.
There is no lock-in period; however, investors should consider the maturity date when planning their investment.
Investors can explore investment options through financial platforms such as Aspero.
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