Q1 2026 Sammaan Capital Ltd Earnings Call Transcript

Aug 13, 2025 / 10:30 AM GMT

Release Date Price: ₹120.45 (+0.81%)

Transcript

Key Points

Positve

Sammaan Capital Ltd (BOM:535789) has successfully expanded its co-lending framework, allowing for greater access to credit and improved risk sharing.
The company's asset-light strategy has proven effective, enabling growth without significantly increasing leverage.
Sammaan Capital Ltd has invested heavily in technology, enhancing its digital lending platform for faster onboarding and efficient risk monitoring.
The company has maintained stable asset quality with gross and net NPAs at 1.5% and 0.8%, respectively.
Sammaan Capital Ltd is making significant progress in reducing its legacy loan book, with a projected rundown of 8,000 crores this financial year.

Negative

The cost of interest remains high despite a strong net worth, impacting overall profitability.
There is a time lag in assigning loans under the asset-light model, which affects immediate financial performance.
The company faces ongoing litigation related to legacy NPA assets, which could pose financial and reputational risks.
Sammaan Capital Ltd's gearing ratio remains moderate, which may limit aggressive expansion opportunities.
The transition to a fully digital lending process is still underway, with some physical processes yet to be eliminated.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SMMN.NS - Sammaan Capital Ltd
Q1 2026 Sammaan Capital Ltd Earnings Call
Aug 13, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Saan Capital Limited Q1F 526 earnings conference call. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing star, then 0 on your touchtone phone.

I now hand the conference over to Mr. Ran Sara.

Thank you over to you, sir.

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Unidentified_2 [2]
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Thank you. Good evening, ladies and

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