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Informist, Wednesday, Aug. 13, 2025

--Sammaan Capital Apr-Jun consol PAT INR 3.34 bln vs INR 3.27 bln year ago 

--Sammaan Capital Q1 consol revenue INR 24.00 bln vs INR 22.07 bln yr ago 

By Gowri Lakshmi

MUMBAI – Sammaan Capital Ltd.'s consolidated net profit rose marginally by 2.3% on year to INR 3.34 billion for Apr-Jun, driven by a rise in total revenue from operations. Total revenue of the non-banking financial company stood at INR 24.00 billion for the reporting quarter, compared to INR 22.07 a year ago. Within revenue from operations, interest income rose to INR 15.63 billion from INR 14.94 billion a quarter ago. However, interest income fell 7.4% on year. 

Total income of the company rose to INR 24.09 billion from INR 22.36 billion in the corresponding quarter last year. However, a sequential rise in finance costs weighed on the bottom line of the financier. Finance costs rose to INR 11.96 billion for the quarter ended June from 10.50 billion in Jan-Mar. Total expenses of the company was INR 19.41 billion, with a sequential rise of nearly 16%. 

The financier transferred 118 accounts of stressed loans as on Jun. 30. The net profit margin of the company was 13.52% as of Jun. 30. The gross non-performing asset ratio stood at 2.07% and the net non-performing asset ratio was at 1.20% as on Jun. 30. For the quarter ended June, the liquidity coverage ratio of the financier stood at 280%. The company announced its financial results for the June quarter during market hours. On Wednesday, shares of Sammaan Capital ended 0.8% higher at INR 120.45 on the National Stock Exchange.

Retail credit of the financier grew to INR 81 trillion in 2024-25 (Apr-Mar), posting around 11% rise annually, the financier said in an investor presentation. Retail credit is projected to continue the growth trajectory and is expected to record a compounded annual growth rate of 14.9% to reach INR 107 trillion in FY27. Overall retail credit is expected to grow at a compounded annnual growth rate of 16% from FY25 to reach INR 170 trillion in the next five years. 

For FY26, wholesale finance is expected to rise 8% while financing in micro, small, and medium enterprises is expected to rise 20%. Housing finance is projected to grow 14% in the current financial year. 

The company's total assets under management for the quarter ended June stood at INR 623.78 billion compared to INR 623.46 billion a quarter ago. The net interest margin of the company was at 6.9% in Apr-Jun, up from 6.2% in Jan-Mar. The net interest income stood at INR 12.13 billion for the reporting quarter. Credit ratings agencies CRISIL and ICRA have assigned Saammaan Capital 'AA' rating along with a stable outlook. End

Edited by Tanima Banerjee

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