Mumbai, Aug 14: Sammaan Capital Limited, one of India’s non-banking financial companies , reported its financial results for the first quarter of the year ending June 30, 2026.
Key Highlights:
First quarter as part of the IHC Group, marking a transformational phase for Sammaan Capital
• AUM grew to ₹ 56,239 Crore from ₹53,160 crore in Q4FY26
• Disbursed ₹ 3,875 crore in Q1FY27 across five products, driving diversified growth without concentration in any single segment.
• 97% of the disbursements were secured, while 3% were unsecured
• Gross recoveries: ₹ 424 Crores; Net recoveries after taking into account provisions and other credit costs: ₹240 Crore
• Maintained a growth-focused approach within prudent risk guardrails, while actively pursuing both organic and inorganic growth opportunities
• Credit ratings upgraded to AA+ (Stable) by CRISIL, CARE and ICRA; international rating upgraded to BB- by S&P Global within 90 days of IHC’s investment
• Steady reduction in stock borrowing cost — ~85 bps reduction from Q2FY26 to Q1FY27, with further ~75 bps reduction expected by end of FY27
• Strengthening leadership team with key senior hires across functions to support new product launches and accelerate business growth
• Identified 53 AI use cases for phased implementation across FY27-28
• AI-ready infrastructure initiated during the quarter — unified loan origination platform, unified HR life cycle platform with employee self-service, major database and cloud infrastructure, modern core LMS enabling automated onboarding & straight-through processing and scalable, secure cloud powering LOS, data lake & AI workloads
• Strengthening cross functional integration with IHC across Risk, Finance and IT functions
Consolidated Financial Highlights — Q1FY27
• Consolidated PAT stood at ₹243 Crore in Q1FY27
• Disbursements at ₹ 3,875 Crore
• Gearing ratio at 1.8x
• Net NPA at 0.15%
• Capital adequacy at 20.1%
Mr. Gagan Banga, Managing Director & CEO of Sammaan Capital Limited, said:
“This quarter marks an important milestone for Sammaan Capital as our first quarter as part of the IHC Group. With the capital infusion now in place, a strengthened balance sheet and the backing of a global parent, we believe Sammaan Capital is well positioned to move decisively onto its next phase of growth. Our focus remains on growth-oriented disbursals within clearly defined risk guardrails, ensuring that growth is both calibrated and sustainable.
Technology remains at the core of our strategy. Our digital-first approach is creating a platform for all individual and MSME product segments.
As we look ahead, our priorities are clear to accelerate growth responsibly, strengthen earnings, progressively reduce our cost of funds, leverage the capabilities of our parent, deepen our technology-led distribution platform and maintain disciplined risk management.”