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Sammaan Capital's earnings call highlighted its transformation post-IHC acquisition, which infused 5,652 Cr capital and established IHC as a strategic promoter. All three domestic rating agencies upgraded Sammaan, signalling lower borrowing costs. Management stressed a fortified balance sheet with 53,160 Cr AUM (0 net NPA) and robust capital. Plans include 30,000 Cr disbursements this year, expanding to 200,000 Cr AUM by FY30, driven by residential housing and new secured products. They project 1,400 Cr PAT, 4.4% ROA (FY30), and high-teen ROE. Digital transformation is key for efficiency, targeting a 26% cost-to-income ratio. Management expressed confidence in responsible, sustainable growth, leveraging their cycle experience and strong promoter support.