Sammaan Capital Limited — PPTs, 13-08-2026: Investor Presentation

Sammaan Capital posted Q1FY27 Profit After Tax of ₹243 Cr, down from ₹334 Cr in Q1FY26, with total revenue from operations also seeing a decline. Despite this, Assets Under Management stood strong at ₹56,239 Cr, with disbursals reaching ₹3,875 Cr to 12,000 new customers. Net NPA remains low at 0.15%, reflecting strong asset quality, with 97% of new disbursals being secured loans.

The company is on a clear path to growth, targeting aggressive expansion in disbursals to ₹50,000-₹92,000 Cr annually by FY29-30. Key strategies include broadening product offerings like digital personal loans and rural home loans, expanding branches to 1,600, and a significant push into digital and AI. 53 AI use cases are identified, with 35 set to go live in FY27 to boost efficiency and reduce turnaround times. Recent achievements include an AA+ credit rating consensus, which is helping reduce the cost of funds and diversify borrowing sources. Management prioritizes balancing growth with risk, maintaining a mortgage/secured-focused portfolio.