Sammaan Capital Ltd.
NSE: SAMMAANCAP · Finance
Sector
Finance
Size band
Small cap
Market cap
16,856cr
P/E
14.6
ROE
4.7%
No price is shown on this page, live or delayed. It records what management said on the earnings call, and the company’s filings.
Measured against
Peer set
Finance - Housing · 11 measured at Q1 FY27 · financials via Screener| Company | Financing margin | Revenue growth |
|---|---|---|
| Bajaj Housing Finance Ltd. | 31.0% | 17.1% |
| Housing & Urban Development Corporation Ltd. | 28.0% | 26.6% |
| LIC Housing Finance Ltd. | 27.0% | −1.4% |
| PNB Housing Finance Ltd. | 32.0% | 9.0% |
| Aadhar Housing Finance Ltd. | 37.0% | 17.1% |
| Sammaan Capital Ltd. | 19.0% | −31.2% |
| Can Fin Homes Ltd. | 31.0% | 7.5% |
| Home First Finance Company India Ltd. | 39.0% | 18.5% |
| Aptus Value Housing Finance India Ltd. | 54.0% | 15.4% |
| Aavas Financiers Ltd. | 33.0% | 12.9% |
| Repco Home Finance Ltd. | 34.0% | 6.4% |
| GIC Housing Finance Ltd. | 8.0% | 0.8% |
What management said
13 statements on recordEarnings call · Q1 FY27 / quarter ended June 30, 2026 · 19 Aug 2026
- Stock cost of funds→9.3% by the end of this year; 9.6% by September· FY27 / September 2026
“We started at 10.5%, through the quarter, we have reached 10%, and we are hopeful -- which is stock cost of funds, and we are hopeful of going to 9.3% by the end of this year. By September, we are optimistic to get to 9.6%.”
- Incremental cost of funds→8.5% by the end of the year· FY27
“The incremental cost of fund is now down to about 9%. And we hope to make that further decline to by the end of the year at to 8.5%.”
- Longer-term cost of funds→7%, 7.5%, 8% range· next 2 to 3 years
“And as the ratings continue to move up and eventually stabilize, we hope to hit the 7% range, 7%, 7.5%, 8% range over the course of the next 2 to 3 years.”
- Disbursals→INR10,000 crores in the first half; INR20,000 crores in the second half· FY27
“Disbursals for the first half are planned at INR10,000 crores. First quarter was bang on target, and that will increase to INR20,000 crores in the second half.”
- Branch network→approximately 240 branches at end of first half; increase to 270 branches· FY27
“The branch network at the end of the first half would be approximately 240 branches, which will increase to 270 branches.”
- AI use cases implementation→about 60% implemented within the financial year· FY27
“There are 53 use cases which are currently under implementation, of which about 60% of those would be implemented within the financial year itself.”
- Branch network→800 type of branch network· end of next year
“And one is very confident to be able to deliver and get to an 800 type of branch network by end of next year.”
- Cost-to-income→50% type of cost-to-income range· this year / FY27
“I would imagine that this year we would be in the 50% type of cost-to-income range.”
- Cost-to-income→30% to 35% range· fiscal 2029
“Hopefully by fiscal 2029, we will come to a 30% to 35% range.”
- Disbursement mix→75% mortgage-backed, 25% new products; of the 75%, two-thirds retail and one-third wholesale AUM· this year / FY27
“This year, about 75% of dispersals would still be mortgage-backed, 25% would be the new products, personal loans and other retail products, and the capital markets products that we will have. Of the 75%, two-thirds will be purely retail, one-third will be the wholesale AUM that we will create, of which we will keep about 20% on our balance sheet.”
- Secured/unsecured mix→90% secured, 10% unsecured this year; 80% secured, 20% unsecured next year· FY27 and FY28
“So it would still be largely secured this year, about 90% secured, 10% unsecured, and by next year it will become 80% secured, 20% unsecured.”
- Disbursement target→INR30,000 crores· current financial year / FY27
“So this year it is INR30,000 crores.”
- Disbursement target→INR40,000 to INR50,000 crores· next financial year / FY28
“And for next year is INR40,000 to INR50,000 crores.”
Taken from management commentary on the company’s earnings call and quoted verbatim. These are statements of intent made by the company, not forecasts by Bharatstox, and nothing here records whether they were met.
On air
11 calls · outcomes not trackedRecorded as stated on air, with the analyst's SEBI registration status where it was given. Anchor calls carry no registration and are marked. Bharatstox does not make, endorse or repeat these calls, and none of them is our view.
| Channel & show | Aired | Stated target | Stated stop | Outcome |
|---|---|---|---|---|
| CNBC AwaazCNBC Awaax · no registration attached | 24 Sep | — | -6.6% | still open |
| CNBC AwaazCNBC Awaax · no registration attached | 23 Sep | — | -6.6% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +11.0% | -2.5% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +11.7% | -17.9% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +11.7% | — | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +11.0% | — | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +11.7% | -1.9% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +10.4% | -18.9% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +10.4% | -3.0% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +9.7% | -3.6% | still open |
| Zee BusinessZee Business · no registration attached | 7 Aug | +9.0% | -4.2% | still open |
Shareholding
change across 4 filings| Category | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Change |
|---|---|---|---|---|---|
| Promoters | 28.3 | 28.3 | 0.0 | 0.0 | +28.3 |
| Foreign institutions | 21.3 | 19.6 | 46.2 | 24.9 | −3.6 |
| Domestic institutions | 4.2 | 8.0 | 12.6 | 14.4 | −10.2 |
| Retail & others | 46.2 | 44.1 | 41.2 | 60.7 | −14.5 |
As filed with the exchange for the periods ending Dec 25 to Sep 26.
Filings
latest 25 of 1,059- Updates16 Oct 2026
- Updates15 Oct 2026
- Certificate under SEBI (Depositories and Participants) Regulations, 20189 Oct 2026
- Updates8 Oct 2026
- Updates8 Oct 2026
- Updates5 Oct 2026
- Updates5 Oct 2026
- Updates1 Oct 2026
- Appointment30 Sept 2026
- Shareholders meeting30 Sept 2026
- Copy of Newspaper Publication30 Sept 2026
- Trading Window30 Sept 2026
- Updates30 Sept 2026
- Updates30 Sept 2026
- Updates25 Sept 2026
- Updates25 Sept 2026
- Updates25 Sept 2026
- Updates25 Sept 2026
- Updates25 Sept 2026
- Updates24 Sept 2026
- We hereby certify that our Company has made timely payment of interest amount in respect of the NCDs issued by our Company through Public Issue and listed on the Stock Exchanges. Refer ....22 Sept 2026
- Updates22 Sept 2026
- We hereby certify that our Company has made timely payment of interest amount in respect of the NCDs issued by our Company through Public issue and listed on the Stock Exchanges. Refer ....18 Sept 2026
- Updates18 Sept 2026
- Pursuant to Regulation 30 of the SEBI (LODR) Regulations, 2015, we wish to inform the Schedule of of Investor Meetings with the Company as under: Day & Date of Meeting - Monday, September ....16 Sept 2026
The 25 most recent of 1,059 filings we hold for SAMMAANCAP, back to January 2024. Every filing, by day.
Disclaimer
Guidance is quoted from management commentary on quarterly earnings calls; the words are the company's own and the targets are theirs, not ours. Peer comparisons use quarterly financials sourced from Screener, with every company measured at the same fiscal quarter; the peer set is companies sharing the same industry classification, and comparisons are descriptive, not a ranking or a view. Broadcast calls are reproduced as stated on air, attributed, with the analyst's SEBI registration status where given; they are not our calls and not our view. Filings are reproduced as companies filed them to the NSE and BSE; Bharatstox does not verify, endorse or comment on their contents. This page is for informational and educational purposes only and does not constitute investment advice, research, or a recommendation to buy or sell any security. Investing in securities markets is subject to market risks. Read all related documents carefully before investing.