SAMMAANCAP

Sammaan Capital: Strengthening Growth Through Diversified Lending and Retail Focus

Sammaan Capital Limited is a diversified NBFC focused on affordable housing finance, SME lending and secured retail loans. The company is strengthening its balance sheet through improved asset quality, prudent risk management and a diversified loan portfolio. Growing demand for housing finance and retail credit, along with expanding distribution channels, supports long-term business growth. Its focus on secured lending and operational efficiency enhances earnings visibility. Key Financials: Revenue: ~₹3,000+ Cr | Net Profit: ~₹500+ Cr | AUM: ~₹35,000+ Cr | ROE: Improving | Gross NPA: Declining | Capital Adequacy: Strong. Key Positives: • Strong focus on secured retail and housing finance • Improving asset quality and capital position • Beneficiary of rising housing and MSME credit demand • Diversified lending portfolio reduces concentration risk • Strengthening profitability and operational efficiency Key Risks: • Interest rate and funding cost fluctuations • Asset quality deterioration during economic slowdowns • Regulatory changes affecting NBFCs • Competitive pressure in retail lending Conclusion: With an improving balance sheet, diversified lending franchise and exposure to India's expanding retail credit market, Sammaan Capital is well positioned for sustainable long-term growth while maintaining a prudent risk profile.