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Sammaan Capital (SAMMAANCAP) investor relations material
Sammaan Capital Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary13 Aug, 2025
Executive summary
Asset-light, technology-led mortgage business model enabled scalable growth, with partnerships across 24 banks/financial institutions and a focus on affordable housing and semi-urban geographies.
Total AUM reached ₹62,378 crore in Q1FY26, with growth AUM at ₹38,897 crore and legacy loans at ₹23,481 crore; legacy book continues to run down with significant cash collections.
Net worth increased to over ₹22,100 crore, with disbursements of ₹3,736 crore in Q1FY26.
Board approved unaudited financial results for Q1FY26, with all regulatory disclosures and no deviations in utilization of issue proceeds.
Strategic initiatives include isolating Saman Finserv as an affordable housing subsidiary and plans to induct a rating-accretive strategic partner within nine months.
Financial highlights
Net Interest Income rose to ₹1,213 crore in Q1FY26; consolidated revenue from operations was ₹2,400.33 crore, and consolidated net profit after tax stood at ₹334.30 crore.
Net worth increased to ₹22,137 crore; AUM at ₹62,378 crore; disbursements exceeded ₹2,000 crore in Q1.
Net Interest Margin improved to 6.9%; cost to income ratio at 20.8% for SCL consolidated.
Gross and net NPAs stable at 1.5% and 0.8%, both at their lowest in six years.
Liquidity Coverage Ratio at 280%, well above regulatory requirements.
Outlook and guidance
Focus on moderate gearing (1.9–2.5x), expanding AUM, and improving yields, with no rapid leverage-driven growth.
Targeting up to 60% digital onboarding via eMortgage platform by end of FY26 and nationwide rollout of digital mortgage.
Annualized credit costs expected to remain at 100 basis points, with one-time income used to enhance provision buffers.
ROE targeted to reach low-teen levels; strong industry outlook with retail credit projected to grow at a CAGR of 14.9% from FY25 to FY27.
Strategic partner induction in Saman Finserv expected within nine months.
What is the impact of SBR categorization?
Explain the change in tenure estimate.
Detail stressed loans transferred in Q1 2025.
How will digitization impact Sammaan Finserve's cost-to-income ratio?
Update on Sammaan Finserve strategic partner search?
Detail the impact of the accounting policy change.
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Next Sammaan Capital earnings date
Q2 25/2614 Nov, 2025
Next Sammaan Capital earnings date
Q2 25/2614 Nov, 2025
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Frequently asked questions
Sammaan Capital Limited (formerly Indiabulls Housing Finance Limited) is a mortgage lender. It is regulated by the National Housing Bank and is India's second largest housing finance company. The company primarily offers home loans to customers across India and has subsidiaries in the UK and Dubai.
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