Sammaan Capital Ltd
NSE:SAMMAANCAP

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Sammaan Capital Ltd
NSE:SAMMAANCAP
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Price: 148.15 INR 0.86% Market Closed
Market Cap: ₹121.3B

Sammaan Capital Ltd
Investor Relations

Indiabulls Housing Finance Ltd. is a holding company, which engages in the operation of financing institutions which specializes in housing finance, real estate, and wealth management. The company is headquartered in Mumbai, Maharashtra and currently employs 4,358 full-time employees. The company went IPO on 2013-07-23. A technology focused company that has an end-to-end digital home loan technology platform. The firm offers loans to micro, small, and medium enterprises (MSMEs)/small business for working capital. Its products include new home loan, new home loan, rural home loan, home loan for NRIs, loan against property, home loan for renovation, home loan balance transfer and all loans. The company offers home renovation loans tailored to help clients remodel, refresh, or upgrade their existing residential property. These loans cover various costs, including materials, labor, and permits. The company offers a wide variety of home loans for NRIs to own a house in India. The company also offers home extension loans as extra funds for structural changes in customer’s home. The company has provided service to more than 1.5 million homeowners across the country.

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Last Earnings Call
Fiscal Period
Q3 2026
Call Date
Feb 4, 2026
AI Summary
Q3 2026

Profit Improvement: Sammaan Capital reported Q3 profit after tax of INR 314 crores, up from INR 302 crores last year, and a 9-month PAT of INR 957 crores versus a loss of INR 2,132 crores a year ago.

Strong Asset Quality: Gross NPA improved to 1.2% from 1.3%, and net NPA to 0.7% from 0.8%, with NPAs described as stable.

Preferential Allotment Progress: The proposed preferential allotment to IHC and merger of Sammaan Finserve are in final regulatory approval stages, with optimistic management commentary on conclusion.

Cost of Funds Outlook: Current borrowing cost is about 9%, but management expects a reduction of 270 basis points by March 2027 post-investment.

Asset-Light & Co-Lending: Company continues its asset-light and co-lending approach, now broadened by new RBI rules, with volume expected to pick up by May–June.

Legacy Book Recovery: Net collections of around INR 5,000 crores this year, with sizeable recoveries expected in Q4 and Q1.

Dividend Policy: Plans to implement a dividend payout ratio of 30–40% over the long term, supported by improved leverage and capital base.

Key Financials
Net Worth
INR 22,423 crores
AUM
INR 44,000 crores
Profit After Tax
INR 314 crores
Profit After Tax (9 Months)
INR 957 crores
Gearing
2.2x
Gross NPA
1.2%
Net NPA
0.7%
Legacy Book Recoveries (YTD)
INR 5,000 crores
Cost of Borrowing
9%
Credit Cost
100 bps (annualized, core mortgage)
Other Earnings Calls

Management

Mr. Gagan Banga
Vice Chairman, MD & CEO
No Bio Available
Mr. Mukesh Kumar Garg
Chief Financial Officer
No Bio Available
Mr. Sachin Chaudhary
COO & Whole-Time Director
No Bio Available
Mr. Amit Kumar Jain
Company Secretary & Compliance Officer
No Bio Available
Mr. Ramnath R. A. Shenoy
Head of Analytics & Investor Relations
No Bio Available
Mr. Somil Rastogi
Chief Compliance Officer
No Bio Available
Mr. M. S. Walia
National Sales Head
No Bio Available
Ms. Niharika Bhardwaj
Chief Human Resources Officer
No Bio Available
Mr. Naveen Uppal
Chief Risk Officer
No Bio Available
Mr. Shailesh Kumar Yadav
Collections Head of Mortgages
No Bio Available

Contacts

Address
MAHARASHTRA
Mumbai
One International Centre, Tower 1,18th Floor, Senapati Bapat Marg, Elphinstone Road,
Contacts
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