Financial Performance Summary

Sammaan Capital Limited reported its financial results for the first quarter ending June 30, 2026 (Q1FY27). This marks the company's first full quarter as part of the IHC Group following International Holding Company's investment.

Key Financial Metrics:

  • Consolidated PAT: ₹243 Crore in Q1FY27
  • Assets Under Management (AUM): Grew to ₹56,239 Crore from ₹53,160 crore in Q4FY26
  • Disbursements: ₹3,875 crore in Q1FY27 across five products
  • Gearing Ratio: 1.8x
  • Net NPA: 0.15%
  • Capital Adequacy: 20.1%

Operational Performance

Disbursement Details:

  • 97% of disbursements were secured loans
  • 3% of disbursements were unsecured loans
  • Disbursements were diversified across five product segments without concentration in any single segment

Recovery Performance:

  • Gross recoveries: ₹424 Crores
  • Net recoveries after provisions and credit costs: ₹240 Crore

Cost Management:

  • Steady reduction in stock borrowing cost with approximately 85 bps reduction from Q2FY26 to Q1FY27
  • Further approximately 75 bps reduction expected by end of FY27

Strategic Initiatives & Business Updates

Credit Rating Upgrades:

  • Domestic ratings upgraded to AA+ (Stable) by CRISIL, CARE and ICRA
  • International rating upgraded to BB- (Stable) by S&P Global
  • Upgrades occurred within 90 days of IHC's investment

Technology & Digital Transformation:

  • Identified 53 AI use cases for phased implementation across FY27-28
  • AI-ready infrastructure initiated during the quarter including:
  • Unified loan origination platform
  • Unified HR life cycle platform with employee self-service
  • Major database and cloud infrastructure
  • Modern core LMS enabling automated onboarding & straight-through processing
  • Scalable, secure cloud powering LOS, data lake & AI workloads

Organizational Development:

  • Strengthening leadership team with key senior hires across functions
  • New hires support new product launches and accelerate business growth
  • Strengthening cross-functional integration with IHC across Risk, Finance and IT functions

Growth Strategy:

  • Maintaining growth-focused approach within prudent risk guardrails
  • Actively pursuing both organic and inorganic growth opportunities
  • Digital-first approach creating platform for all individual and MSME product segments

Management Commentary

Mr. Gagan Banga, Managing Director & CEO, stated: "This quarter marks an important milestone for Sammaan Capital as our first quarter as part of the IHC Group. With the capital infusion now in place, a strengthened balance sheet and the backing of a global parent, we believe Sammaan Capital is well positioned to move decisively onto its next phase of growth."

Management Priorities:

  • Accelerate growth responsibly
  • Strengthen earnings
  • Progressively reduce cost of funds
  • Leverage capabilities of parent company
  • Deepen technology-led distribution platform
  • Maintain disciplined risk management

Company Overview

Sammaan Capital Limited is a large NBFC in India and a group company of Abu Dhabi-based International Holding Company (IHC). The company has:

  • Network of 200+ branches
  • 8,000+ channel partners
  • Offers multiple financial products
  • Combines digital innovation with on-ground reach
  • Focused on accessibility, speed, and customer-first service

Investor & Media Contacts

Investor Relations: MUFG Intime India Private Limited

  • Contacts: Nikunj Jain / Aryan Sumra

Media Contacts:

  • Ami Shah: ami.shah@sammaancapital.com