What we do Sammaan Capital Limited is a leading Indian non-banking financial company specializing in mortgage lending and housing finance across India. |
Founded in 2,000 |
Market share Among India's largest NBFC mortgage lenders with over 680,000 families served and significant market presence nationwide. |
Problem solved Provides affordable housing finance and credit access to middle-income families and small businesses, addressing credit gaps beyond traditional banks. |
Top clients or who we serve Retail homebuyers and MSMEs across India; operates mainly B2C and B2B mortgage lending segments. |
Key management Gagan Banga, Managing Director & CEO with extensive financial sector experience; supported by seasoned leadership team. |
Our journey and innovations Founded in 2000, rebranded in 2024, raised significant capital, pioneered social affordable housing bonds, expanded via technology and AI. |
Where we operate Pan-India presence across 150+ towns through 220 branches; engaged in international markets via prior UK and Dubai presence. |
Top products or what we offer Home loans, mortgage-backed loans for MSMEs, financial advisory, insurance cross-selling through extensive branch network and digital platforms. |
Top brands Sammaan Capital mortgage loans, secured NCDs listed on BSE/NSE, and affiliated insurance products with 80% attachment rate. |
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Recurring vs cyclical contribution Revenue largely recurring from interest and fee income on long-term mortgage loans and insurance products. |
Our industry position Top-tier NBFC in home finance, strong capital adequacy with AAA ratings enhancing competitive advantage. |
Financial highlights FY25 revenue approx. Rs 7,670 crore, PAT Rs 943 crore, strong capital adequacy ratio 29.52%, loan assets Rs 53,378 crore. |
Geographical revenue split Predominantly Indian operations; no significant revenue from abroad post UK stake reduction. |
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Whats driving growth Robust housing demand, capital infusion from international investors, technology adoption and expanded co-lending partnerships with banks. |
Our future plans Scale loan book, integrate AI for credit, strengthen technology infrastructure, and expand affordable housing finance portfolio. |
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Our people and values Over 4,430 employees, diverse workforce with focus on skill development and inclusive growth through training programs. |
Key challenges ahead Interest rate competition, regulatory compliance, operational risks, and maintaining asset quality amid economic uncertainties. |
Interesting facts First Indian issuer of Social Affordable Housing Bonds and major investment by UAE-based IHC reflects strong global confidence. |
Risks and strategy Mitigates credit and market risks via strict governance, diversified funding and continuous technology-driven risk management. |
