Sammaan Capital Ltd · NSE:SAMMAANCAP
Sammaan Capital — Q1 FY2027 Earnings Presentation
17 slides from Sammaan Capital's earnings presentation, Aug 15, 2026
Slide 1: Re-upload of Q1FY2027 Earnings Update cover letter
August 15, 2026 Symbol - SAMMAANCAP/EQ, SCLPP Scrip Code – 535789, 890192 National Stock Exchange of India Limited BSE Limited “Exchange Plaza”, Phiroze Jeejeebhoy Towers, Dalal Bandra-Kurla Complex, Bandra (E). Street, MUMBAI – 400 051 MUMBAI – 400 001 Sub.: Re-upload of Q1FY2027 Earnings Update al
Slide 2: Investor Presentation | Q1FY27
Investor Presentation | Q1FY27 1
Slide 3: Safe Harbour
Safe Harbour This presentation and the accompanying slides (the “Presentation”), which have been prepared by Sammaan Capital Limited (the “Company’ or ‘SCL’ ), have been prepared solely for information purposes and do not directly or indirectly constitute any offer, advertisement, recommendation or
Slide 4: Consolidated Financial Highlights: Q1FY27
Consolidated Financial Highlights: Q1FY27 ASSETS UNDER DISBURSEMENT CAPITAL ADEQUACY MANAGEMENT ₹ 56,239 Cr ₹ 3,875 Cr 20.1% ($ 5.9 Bn) ($ 406.6 Mn) PROFIT AFTER TAX CREDIT COST NET NPA ₹ 243 Cr Gross Recovery: ₹ 424 Cr Net Recovery*: ₹ 240 Cr 0.15% ($ 44.5 Mn) ($ 25.1 Mn) ($ 25.5 Mn) *Net Recovery
Slide 5: Clear Path to Growth
Clear Path to Growth H1FY27 H2FY27 FY28 FY29-30 Domestic: AA to AA+ Domestic: AA+ to AAA Credit Ratings International: B+ to BB- International: BB- to BB+ International: BB+ to BBB Liability Incremental CoF: 10.5% to 9.0% ~9.0% to 8.5% 8.5% to 7.8% 7.8% to 7.2% Franchise Cost of Funds Stock CoF: ~10
Slide 6: Liability Franchise: Rating Upgrades and Declining Cost of Funds
Liability Franchise: Rating Upgrades and Declining Cost of Funds AA+ Consensus Achieved Key Achievements for the Quarter Repricing Existing Borrowings - Lower cost of incremental borrowings + repricing of existing of stock of borrowings AA+/Stable AA+/Stable AA+/Stable BB-/Stable Return of Private &
Slide 7: Disbursals, Products & Distribution Expansion
Disbursals, Products & Distribution Expansion • ₹ 3,875 Cr ($ 407 Mn) disbursed in Q1FY27 across five products to ~12,000 new customers • Growth-oriented disbursals executed within defined risk guardrails • Growth diversified across multiple products — maintaining healthy mix of retail/wholesale and
Slide 8: Digital and AI Adoption: Data Driven Growth
Digital and AI Adoption: Data Driven Growth Initiatives During the Quarter AI Roadmap 53 16 35 AI use cases Departments / agile Will Live within FY27 identified for FY27-28 trains delivering (66% of the cases) Reducing AI-enabled: Scalable, secure Modern core LMS Enterprise Oracle sanction TAT unifi
Slide 9: Integration & Governance
Integration & Governance Promoter Group Avenir Investment RSC Limited (IHC subsidiary) Functional Oversight Board Information Representation Human Data Finance Technology, Risk Marketing Resources Science AI & Infrastructure Financial Consolidation IHC Functional Heads in Board Representations: 2 IH
Slide 10: Yield Improvement & Well Diversified Product Portfolio
Yield Improvement & Well Diversified Product Portfolio Q1FY27 Disbursal AUM Cumulative Average Actuarial Collection PRODUCT PORTFOLIO AUM Amount Yield Ticket Size Tenure Efficiency (%) 2.9% Residential Housing Finance including ₹ 31,390 Cr ₹ 664 Cr ₹ 31.1 Lakh Affordable Housing & Mortgages 8.5–13%
Slide 11: Appendix
CAPITAL Appendix
Slide 12: Consolidated Income Statement
Consolidated Income Statement Particulars (in ₹ Cr) Q1FY27 Q4FY26 Q1FY26 FY26 Revenue from operations: (i) Interest Income 1,078.17 1,104.87 1,563.64 5,586.91 (ii) Fees and commission Income 58.77 30.47 62.24 193.26 (iii) Net gain on fair value changes 490.98 116.94 42.05 969.33 (iv) Net gain on der
Slide 13: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars (₹ in Cr) Jun-26 Mar-26 Jun-25 ASSETS (1) Financial Assets (a) Cash and cash equivalents 2,705.40 9,027.43 3,893.70 (b) Bank Balance other than (a) above 3,297.71 1,932.99 1,793.33 (c) Derivative financial instruments 587.79 771.05 28.80 (d) Receivables (i) Tra
Slide 14: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars (₹ in Cr) Jun-26 Mar-26 Jun-25 LIABILITIES AND EQUITY LIABILITIES (1) Financial Liabilities (a) Derivative financial instruments 1.83 - 74.28 (b) Payables (I) Trade Payables (i) total outstanding dues of micro enterprises and small enterprises - - - (ii) total
Slide 15: Distinguished Board of Directors
Distinguished Board of Directors Mr. Subhash Sheoratan Mundra* Mr. Alwyn Crasta H.E. Dalia Khorshid*** Mr. Rajiv Gupta (Chairman & Independent Director) (Non-Executive & Non-Independent Director) (CEO at Avalora Holding) (Nominee Director of LIC of India) • Former Deputy Governor of RBI • Group CFO
Slide 16: Shareholding Pattern
Shareholding Pattern Avenir (IHC) , 28.5% Public, 42.7% MFs/Banks/IFI/ Insurance Companies, 8.0% Foreign Institutional Employee Welfare Shareholding, 19.7% Trust, 1.4% Note: Avenir (IHC) current stake is 28.5%; this is to increase to ~43.5% upon ~₹3,198 Crs warrant infusion, subject to conversion by
Slide 17: Thank You
COMPANY : Sammaan Capital Limited CIN : L65922DL2005PLC136029 ibsecretarial@sammaancapital.com investor.relations@sammaancapital.com www.sammaancapital.com INVESTOR RELATIONS ADVISORS : MUFG Intime India Private Limited A part of MUFG Corporate Markets, a division of MUFG Pension & Market Services M