SAMMAANCAP · Sammaan Capital Ltd · Consumer Financial Services
SAMMAANCAP · Sammaan Capital Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
30.7% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹1,161 Cr
Revenue YoY
PAT YoY
-27.2%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
0.9
P/S (TTM)
Not available from data source
Sector P/E
Not available from data source
Dividend yield
Not available from data source
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| SAMMAANCAP (this stock) | Not meaningful (earnings negative over the last 12 months) | 0.9 | -120.6% | -38.1% | 2.73 | Not available from data source |
| Bajaj Finance * | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance * | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Tata Capital * | 28.7 | 3.3 | +17.0% | +11.8% | 5.15 | +0.2% |
* Net margin, ROE, D/E and dividend yield for these companies come from RedixFi fundamentals; the data vendor had no values for them.
Promoter
rising 1q
FII
rising 1q
MF
3.95% (-3.62pp)
falling 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
| canonicalSymbol | date | buy quantity | buyer count | deal strength | deal types present |
|---|---|---|---|---|---|
| SAMMAANCAP | 2026-05-21 | 17086740 | 2 | STRONG | BULK |
News timeline
- highregulatoryeconomictimes.indiatimes.com· 07 Aug 2026, 12:11 amSC pulls up banks over alleged nexus with builders in real estate cases
Concalls & investor presentations
AI-generatedKey takeaway: Sammaan Capital Limited reported its financial results for the quarter ended June 30, 2026, during the earnings conference call held on August 13, 2026. Management stated that assets under management increased to INR56,239 crores, with disbursements of approximately INR3,875 crores. The capital adequacy ratio was reported at 20.1%, and profit after tax for the quarter was INR243 crores. Management highlighted the importance of recoveries, noting gross recoveries of INR424 crores and net recoveries of INR240 crores. The company focused on four strategic pillars: enhancing its liability franchise, expanding product offerings, improving technology, and strengthening governance. Management mentioned plans to increase disbursements to INR10,000 crores in the first half of the fiscal year and to INR20,000 crores in the second half. The call concluded with management expressing confidence in achieving their financial goals and expanding their product suite.
Management expressed confidence in growth and strategic initiatives.
Sourced from an exchange-filed transcript, dated 19 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Sammaan Capital Limited re-uploaded its Q1FY2027 Earnings Update along with balance sheet numbers to enhance transparency and provide stakeholders with a comprehensive view of its financial position. The presentation highlighted key financial metrics, including a profit after tax of ₹243 crore and assets under management of ₹56,239 crore. Management reported a focus on growth through product expansion and digital adoption, with plans to increase disbursements significantly over the next few years. The company also emphasized its commitment to maintaining robust governance practices and improving its liability franchise through rating upgrades and cost reduction strategies. Additionally, the presentation outlined the company's diversified product portfolio and ongoing initiatives in AI and digital transformation to drive operational efficiency. The document concluded with details on the board of directors and shareholding structure, indicating a significant stake held by Avenir (IHC).
The presentation provided a balanced overview of financial performance and strategic initiatives without strong emphasis on positive or negative aspects.
Sourced from an exchange-filed presentation, dated 15 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Sammaan Capital Limited provided an earnings update for the quarter ended June 30, 2026, reporting a profit after tax of ₹243 crore ($25.5 million) and total assets under management of ₹56,239 crore ($5.9 billion). The company highlighted a net non-performing asset (NPA) ratio of 0.15% and a capital adequacy ratio of 20.1%. The presentation detailed a growth strategy focusing on product expansion, including personal loans and rural home loans, and emphasized a digital-first approach with AI integration. Management reported a significant reduction in the cost of funds and noted upgrades in credit ratings. The company plans to expand its branch network and workforce significantly over the next few years. The document also outlined the shareholding pattern, indicating a substantial stake held by Avenir (IHC) and foreign institutional investors.
Management emphasized growth and strategic expansion initiatives.
Sourced from an exchange-filed presentation, dated 13 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Sammaan Capital Limited held its Q4 and FY '26 earnings conference call on May 20, 2026, marking its first earnings release since IHC's acquisition of a strategic stake. Management, including Gagan Banga, the Managing Director and CEO, discussed the company's performance and future plans. IHC's investment of USD 1 billion was highlighted as a significant milestone, reflecting confidence in Sammaan and the Indian financial services sector. The management team emphasized the importance of long-term growth, operational efficiency, and technology integration, particularly AI, to enhance customer experience and reduce costs. They reported a strong balance sheet with an opening AUM of INR 53,160 crores and a focus on maintaining a low cost of funds. The company set a goal of disbursing approximately INR 30,000 crores and achieving a profit after tax of INR 1,400 crores for the year. Management expressed optimism about future growth and the strategic partnership with IHC.
Management expressed optimism about growth and strategic partnerships.
Sourced from an exchange-filed transcript, dated 23 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Sammaan Capital Limited's earnings conference call on February 4, 2026, highlighted significant developments, including the proposed merger of its subsidiary, Sammaan Finserve, into the main company. Management reported an increase in net worth by approximately INR2,000 crores, with a profit after tax of INR314 crores for the quarter. The company maintained stable asset quality, with gross and net NPAs at 1.2% and 0.7%, respectively. Management discussed ongoing regulatory approvals for a preferential allotment and expressed optimism about the process. They emphasized a focus on technology and an asset-light strategy while expanding their product suite. The management also addressed ongoing public interest litigation, asserting that the company has distanced itself from past allegations against its former promoter. Overall, the management conveyed confidence in the company's direction and future growth potential.
The management provided a balanced overview of developments and challenges without strong emphasis on either positive or negative aspects.
Sourced from an exchange-filed transcript, dated 10 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedSammaan Capital Limited's FY2025-26 annual report highlights strategic developments including a significant investment from Avenir Investment RSC Ltd, a subsidiary of IHC, which elevated the company's credit ratings and strengthened its financial foundation. The report emphasizes the company's focus on expanding its lending portfolio, leveraging technology and AI for operational efficiency, and maintaining a disciplined approach to risk management and capital allocation. The company also outlines its commitment to corporate governance and sustainability initiatives.
- Strategic investment by Avenir Investment RSC Ltd, a subsidiary of IHC, leading to credit rating upgrades and enhanced financial flexibility
- Focus on expanding into a full-suite lender with products including business loans and unsecured personal loans
- Leveraging technology and AI to improve operational efficiency, risk management, and customer engagement
- Strengthened balance sheet with zero NPAs and a consolidated net worth of approximately ₹18,991 crore, as stated in management's report
- Commitment to corporate governance, sustainability, and ethical business practices
Key takeaway: Sammaan Capital Limited's FY2025-26 report underscores its strategic transformation driven by a major investment from IHC, enhanced credit ratings, and a focus on technology and disciplined growth, positioning the company for sustainable expansion in India's financial services sector.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Default / Covenant Breach (2 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
The company has been directed by MCA to file compounding/adjudication applications for alleged offences under Sections 134(3)(f) and 129 of the Act. The RoC has adjudicated some matters and imposed penalties on past and present Directors and KMP, which have been deposited. The RD has initiated compounding and imposed interim fees, also deposited. Adjudication proceedings are pending.
Earlier (1-3 years ago)
The company paid penalties of ₹ 3,540 (including GST) to BSE Limited and ₹ 10,000 (excluding GST) to NSE Limited for violations of SEBI (LODR) Regulations.
Default / Covenant Breach
2 occurrencesRecent (last 12 months)
As of March 31, 2026, borrowings of Rs. 653.42 crores were subject to covenant breaches, with Rs. 274.58 crores classified as current liabilities due to these breaches. No lender has initiated adverse action as of the financial statement approval date.
Earlier (1-3 years ago)
The company has disclosed asset classification / staging in note 8 to the Standalone Financial Statements for loans with delays or defaults in repayment of principal and / or payment of interest as at the balance sheet date.
Routine disclosures
Contingent Liability
2 occurrencesRecent (last 12 months)
The company has contingent liabilities related to ongoing appellate and judicial proceedings, with a maximum exposure to loss of Rs. 105.81 Crore as of March 31, 2026.
Earlier (1-3 years ago)
The Company is involved in appellate and judicial proceedings concerning claims from revenue authorities and customers, with management assessing possible obligations but not recognizing additional provisions.
Related-Party Transaction
1 occurrenceRecent (last 12 months)
The company provided corporate guarantees of Rs. 367.50 Crore to Dhani Loan and Services Limited for a loan taken by Pragati Employee Welfare Trust.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
20.21% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).