During the quarter, the company completed a preferential issue of equity shares and warrants amounting to ₹1,250 crore. The issue involved 13.16 crore equity shares and 9.38 crore warrants at a price of ₹54 per share. With this, the company’s total equity capital has expanded to ₹2,192 crore.
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As of September 30, 2025, the company reported a capital adequacy ratio of 36.3%. The net non-performing asset (NPA) ratio stood at 1.9%. The loan book was largely retail-focused, comprising affordable home loans, loans against property, and co-lending partnerships with banks.Over 75% of the company’s growth book is backed by residential property loans, with the portfolio geographically diversified across India, ensuring no regional concentration risk. Target borrowers include self-employed professionals, small business owners, and salaried employees with an annual median income of around ₹16 lakh.
About 25.5% of the borrower base comprises salaried individuals. The company maintains moderate loan-to-value (LTV) ratios, with average home loan LTV at 70% and MSME loan-against-property (LAP) LTV at 55%.
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During the quarter, Sammaan Capital’s board also approved the issuance of secured, redeemable, non-convertible debentures of up to ₹5,000 crore on a private placement basis, subject to market conditions.
Shares of Sammaan Capital Ltd ended at ₹187.70, up by ₹3.20, or 1.73%, on the BSE.
