Sammaan Capital Limited announced robust financial and operational results for the second quarter and half year ended September 30, 2026. Key highlights include a 62% sequential growth in disbursements to ₹6,278 crore and a 28% quarter-on-quarter increase in Profit After Tax (PAT) to ₹312 crore. The company also reported an improvement in asset quality, with Gross Non-Performing Assets (GNPA) at 0.15%.
Sammaan Capital Announces Strong Q2 FY27 Performance
Sammaan Capital Limited has reported significant sequential growth in its financial and operational performance for the second quarter and half year ended September 30, 2026. The company saw its Assets Under Management (AUM) reach ₹59,188 crore as of September 30, 2026. Disbursements during the quarter rose by an impressive 62% to ₹6,278 crore compared to the preceding quarter. For the half year ended September 30, 2026 (H1FY27), total disbursements amounted to approximately ₹10,153 crore.
Profitability and Asset Quality Improvement
Profit Before Tax (PBT) for Q2FY27 stood at ₹425 crore, marking a 30% sequential increase. Profit After Tax (PAT) grew by 28% quarter-on-quarter to ₹312 crore. The PAT for H1FY27 reached ₹556 crore. The company also demonstrated a strengthened asset quality, with Gross Non-Performing Assets (GNPA) improving to 0.15% from 0.21% in Q1FY27, and Net Non-Performing Assets (NNPA) declining to 0.11% from 0.15%. The reported blended cumulative collection efficiency was 99.6%.
Strategic Initiatives and Capital Strengthened
Sammaan Capital continues to enhance its institutional framework by welcoming Her Excellency Dalia Khorshid to the Board as an IHC nominee director. The company also appointed BDO as its internal audit co-sourcing partner. Subsequent to the quarter end, Avenir (IHC) converted warrants, infusing ₹906 crore and increasing promoter shareholding to 33.32%. The company’s net worth was ₹19,445 crore as of September 30, 2026, with capital adequacy remaining strong at 20.0%.
Expansion and Outlook
The company is expanding its distribution network, planning to reach 245 branches across 20 states and focusing on Tier 2 and Tier 3 markets. Product launches are planned for personal loans, including a Business Instalment Loan (BIL) and gold loans. For FY27, Sammaan Capital targets an AUM of ₹70,700 crore, a loan book of ₹53,000 crore, disbursements of ₹30,100 crore, and a PAT of ₹1,400 crore.
Commenting on the Performance
Gagan Banga, Managing Director & CEO, Sammaan Capital Limited, stated, “Q2FY27 represents continued progress in the execution of Sammaan Capital’s transformation and growth strategy. We have delivered strong sequential momentum in disbursements and profitability while further improving our asset quality.” He added that the company is investing in its people, distribution, technology, and governance, with strategic partnerships strengthening its capital position.
Financial Summary (Consolidated)
| Metric | Q2 FY27 | Q1 FY27 | Change QoQ |
| Disbursements (₹ crore) | 6,278 | 3,875 | 62% |
| AUM (₹ crore) | 59,188 | 56,239 | 5% |
| Profit after tax (₹ crore) | 312 | 243 | 28% |
| Total income (₹ crore) | 1,851 | 1,683 | 10% |
| Cost of funds | 9.8% | 10.0% | (20) bps |
| Gross NPA | 0.15% | 0.21% | (6) bps |
| Net NPA | 0.11% | 0.15% | (4) bps |
| Capital adequacy | 20.0% | 20.1% | (10) bps |
| Branches | 245 | 217 | 28 |
Source: BSE
