Sammaan Capital (SAMMAANCAP) investor relations material

Executive summary

• Assets under management reached INR 56,239 crores, with Q1 FY27 disbursements of INR 3,900 crores and profit after tax at INR 243 crores; net NPA at 0.15%.

• Achieved AA+ domestic and BB- international credit ratings, with a roadmap to AAA and BBB by FY28-30.

• Significant digital and AI adoption initiatives underway, targeting operational efficiency and risk management.

• Board approved unaudited standalone and consolidated financial results for Q1 FY27, with all required disclosures and auditor review reports provided.

• No deviation or variation in utilization of proceeds from equity shares and non-convertible debentures during the quarter.

Financial highlights

• Revenue from operations for Q1 FY27 was ₹1,651.93 crore, with total income at ₹1,682.81 crore.

• Consolidated net profit for Q1 FY27 was ₹243.30 crore, compared to a net loss of ₹8,101.41 crore in Q4 FY26.

• Capital adequacy ratio at 20.1%.

• Gross recoveries were INR 424 crores, with net recoveries of INR 240 crores.

• Cost of funds declined from 10.5% to 9.6% in FY27, with further reductions targeted.

Outlook and guidance

• Disbursement target for FY27 is INR 30,000 crores, rising to INR 40,000–50,000 crores for FY28, and projected to scale up to ₹92,000 crore per year by FY30.

• Cost-to-income ratio expected at 50% this year, declining to 30–35% by FY29.

• Product suite to expand from 5 to 15 offerings by next year, with increasing focus on non-mortgage and digital products.

• Branch network expected to expand from 270 in FY27 to ~1,605 by FY30.

• Continued focus on digital-first strategy and AI-driven growth.