Sammaan Capital Ltd.
SAMMAANCAPFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
17 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 17 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220526 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220530 | 2022-03-31 | yes | |
| TRANSCRIPT | 20221117 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230217 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230525 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230817 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231117 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240220 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240529 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240820 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241118 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250214 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250520 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250819 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251103 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260210 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260819 | 2026-06-30 | yes |
SAMMAANCAP
files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | nbfc |
| Scope served | consolidated |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 140.55 |
| 52-week range | 130.0 – 189.93 |
| Return 1M | -6.28% |
| Return 3M | -17.23% |
| Return 1Y | 3.88% |
| Return 3Y | -25.34% |
| Return 5Y | -37.77% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 1,652.00 |
| Other income | 31.00 |
| Total income | 1,683.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 177.00 |
| Finance costs | 1,335.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.28 | — |
| institutions foreign | 0.20 | -0.27 |
| institutions domestic | 0.08 | -0.05 |
| mutual funds | 0.04 | -0.04 |
| public | 0.70 | -0.28 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 17 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 2,230.00 | 2,339.00 | 2,075.00 | 1,900.00 | 2,227.00 | 2,143.00 | 2,205.00 | 2,207.00 | 2,422.00 | 2,017.00 | 2,107.00 | 2,400.00 | 2,251.00 | 2,158.00 | 1,358.00 | 1,652.00 |
| Other income | 2.00 | 1.00 | 2.00 | 15.00 | 15.00 | 69.00 | 51.00 | 30.00 | 3.00 | 3.00 | 25.00 | 9.00 | 10.00 | 0.00 | 4.00 | 31.00 |
| Total income | 2,231.00 | 2,340.00 | 2,077.00 | 1,916.00 | 2,242.00 | 2,212.00 | 2,255.00 | 2,236.00 | 2,425.00 | 2,019.00 | 2,132.00 | 2,409.00 | 2,261.00 | 2,158.00 | 1,361.00 | 1,683.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 138.00 | 200.00 | 105.00 | 167.00 | 151.00 | 152.00 | 150.00 | 153.00 | 204.00 | 180.00 | 201.00 | 184.00 | 202.00 | 103.00 | 184.00 | 177.00 |
| Finance costs | 1,410.00 | 1,389.00 | 1,342.00 | 1,354.00 | 1,350.00 | 1,312.00 | 1,291.00 | 1,309.00 | 1,238.00 | 1,194.00 | 1,050.00 | 1,196.00 | 1,286.00 | 1,458.00 | 1,679.00 | 1,335.00 |
| Depreciation and amortisation | 23.00 | 23.00 | 22.00 | 19.00 | 23.00 | 23.00 | 21.00 | 19.00 | 20.00 | 20.00 | 25.00 | 21.00 | 21.00 | 21.00 | 25.00 | 20.00 |
| Other expenses | 42.00 | 56.00 | 71.00 | 40.00 | 40.00 | 45.00 | 72.00 | 59.00 | 135.00 | 72.00 | 112.00 | 74.00 | 98.00 | 182.00 | 113.00 | 65.00 |
| Total expenses | 1,838.00 | 1,935.00 | 1,657.00 | 1,519.00 | 1,821.00 | 1,813.00 | 1,823.00 | 1,799.00 | 6,110.00 | 1,602.00 | 1,677.00 | 1,941.00 | 1,835.00 | 1,739.00 | 4,959.00 | 1,357.00 |
| Profit before exceptional items and tax | 393.00 | 405.00 | 420.00 | 396.00 | 422.00 | 399.00 | 432.00 | 437.00 | -3,685.00 | 417.00 | 455.00 | 468.00 | 425.00 | 419.00 | -3,597.00 | 326.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -6,499.00 | 0.00 |
| Profit before tax | 393.00 | 405.00 | 420.00 | 396.00 | 422.00 | 399.00 | 432.00 | 437.00 | -3,685.00 | 417.00 | 455.00 | 468.00 | 425.00 | 419.00 | -10,097.00 | 326.00 |
| Current tax | 37.00 | 19.00 | 75.00 | 40.00 | 42.00 | 4.00 | 36.00 | -3.00 | -7.00 | 1.00 | -1.00 | 5.00 | 6.00 | -2.00 | -4.00 | 4.00 |
| Deferred tax | 67.00 | 95.00 | 84.00 | 60.00 | 81.00 | 92.00 | 76.00 | 113.00 | -917.00 | 113.00 | 132.00 | 128.00 | 111.00 | 107.00 | -1,992.00 | 79.00 |
| Tax expense | 103.00 | 114.00 | 160.00 | 100.00 | 124.00 | 96.00 | 112.00 | 110.00 | -924.00 | 115.00 | 131.00 | 134.00 | 117.00 | 105.00 | -1,995.00 | 83.00 |
| Profit for the period | 289.00 | 291.00 | 263.00 | 294.00 | 298.00 | 303.00 | 319.00 | 327.00 | -2,761.00 | 302.00 | 324.00 | 334.00 | 308.00 | 314.00 | -8,101.00 | 243.00 |
| Profit attributable to owners | 289.00 | 291.00 | 263.00 | 294.00 | 298.00 | 303.00 | 319.00 | 327.00 | -2,761.00 | 302.00 | 324.00 | 334.00 | 308.00 | 314.00 | -8,101.00 | 243.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | -77.00 | 13.00 | -180.00 | -97.00 | 289.00 | 11.00 | 116.00 | 87.00 | 201.00 | -11.00 | -130.00 | -102.00 | -113.00 | -219.00 | -943.00 | -101.00 |
| Total comprehensive income | 212.00 | 304.00 | 83.00 | 197.00 | 587.00 | 313.00 | 435.00 | 414.00 | -2,560.00 | 291.00 | 194.00 | 233.00 | 195.00 | 95.00 | -9,044.00 | 142.00 |
| Earnings per share, basic | 6.45 | 6.49 | 5.85 | 6.56 | 6.54 | 6.37 | 5.70 | 5.43 | -44.23 | 4.17 | 4.11 | 4.10 | 3.79 | 3.86 | -99.10 | 2.13 |
| Earnings per share, diluted | 6.41 | 6.42 | 5.81 | 6.53 | 6.44 | 6.29 | 5.67 | 5.41 | -44.12 | 4.16 | 4.10 | 4.10 | 3.79 | 3.84 | -99.10 | 2.05 |
| Interest earned | 2,126.00 | 1,878.00 | 1,693.00 | 1,818.00 | — | 1,662.00 | 1,573.00 | 1,689.00 | — | 1,890.00 | 1,495.00 | 1,564.00 | 1,449.00 | 1,500.00 | 1,105.00 | 1,078.00 |
| Fees and commission income | 26.00 | 50.00 | 43.00 | 23.00 | — | 25.00 | 58.00 | 29.00 | — | 27.00 | 39.00 | 62.00 | 41.00 | 59.00 | 30.00 | 59.00 |
| Net gain on fair value changes | 33.00 | 62.00 | 301.00 | 37.00 | — | 430.00 | 549.00 | 41.00 | — | 0.00 | 382.00 | 42.00 | 292.00 | 519.00 | 117.00 | 491.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Annual results, as filed
| Line | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Revenue from operations | 13,216.00 | 9,927.00 | 8,983.00 | 8,719.00 | 8,475.00 | 8,623.00 | 8,166.00 |
| Other income | 7.00 | 103.00 | 11.00 | 7.00 | 150.00 | 60.00 | 24.00 |
| Total income | 13,223.00 | 10,030.00 | 8,994.00 | 8,726.00 | 8,625.00 | 8,683.00 | 8,190.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 605.00 | 253.00 | 468.00 | 515.00 | 619.00 | 738.00 | 673.00 |
| Finance costs | 8,512.00 | 6,939.00 | 6,242.00 | 5,636.00 | 5,307.00 | 4,791.00 | 5,618.00 |
| Depreciation and amortisation | 108.00 | 97.00 | 77.00 | 86.00 | 85.00 | 83.00 | 88.00 |
| Other expenses | 255.00 | 223.00 | 187.00 | 219.00 | 197.00 | 377.00 | 468.00 |
| Total expenses | 10,662.00 | 8,468.00 | 7,438.00 | 7,122.00 | 6,976.00 | 11,059.00 | 10,475.00 |
| Profit before exceptional items and tax | 2,561.00 | 1,562.00 | 1,556.00 | 1,604.00 | 1,649.00 | -2,376.00 | -2,285.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -6,499.00 |
| Profit before tax | 2,561.00 | 1,562.00 | 1,556.00 | 1,604.00 | 1,649.00 | -2,376.00 | -8,784.00 |
| Current tax | 371.00 | 63.00 | 62.00 | 180.00 | 123.00 | -9.00 | 5.00 |
| Deferred tax | 24.00 | 297.00 | 316.00 | 296.00 | 309.00 | -559.00 | -1,645.00 |
| Tax expense | 395.00 | 360.00 | 378.00 | 476.00 | 432.00 | -568.00 | -1,640.00 |
| Profit for the period | 2,200.00 | 1,202.00 | 1,178.00 | 1,130.00 | 1,214.00 | -1,807.00 | -7,145.00 |
| Profit attributable to owners | 2,200.00 | 1,202.00 | 1,178.00 | 1,130.00 | 1,214.00 | -1,807.00 | -7,145.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | -365.00 | -702.00 | 120.00 | 11.00 | 318.00 | 147.00 | -1,377.00 |
| Total comprehensive income | 1,835.00 | 500.00 | 1,298.00 | 1,140.00 | 1,533.00 | -1,660.00 | -8,521.00 |
| Earnings per share, basic | 51.70 | 27.72 | 26.42 | 25.19 | 23.78 | -26.70 | -87.72 |
| Earnings per share, diluted | 51.69 | 27.72 | 26.34 | 25.05 | 23.53 | -26.70 | -87.72 |
| Interest earned | 11,549.00 | 9,722.00 | 8,583.00 | 7,676.00 | 6,784.00 | 7,180.00 | 5,587.00 |
| Fees and commission income | 352.00 | 94.00 | 81.00 | 158.00 | 142.00 | 126.00 | 193.00 |
| Net gain on fair value changes | 0.00 | 0.00 | 173.00 | 412.00 | 1,452.00 | 536.00 | 969.00 |
| Dividend income | 863.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Total assets | 75,812.00 | 74,945.00 | 72,908.00 | 73,066.00 | 70,585.00 | 70,181.00 | 71,137.00 | 74,243.00 |
| Property, plant and equipment | 71.00 | 78.00 | 91.00 | 101.00 | 97.00 | 91.00 | 93.00 | 100.00 |
| Capital work-in-progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Goodwill | 58.00 | 58.00 | 58.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other intangible assets | 28.00 | 28.00 | 25.00 | 28.00 | 29.00 | 34.00 | 35.00 | 23.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and cash equivalents | 3,942.00 | 3,698.00 | 5,024.00 | 2,814.00 | 4,651.00 | 3,350.00 | 2,489.00 | 9,027.00 |
| Total equity and liabilities | 75,812.00 | 74,945.00 | 72,908.00 | 73,066.00 | 70,585.00 | 70,181.00 | 71,137.00 | 74,243.00 |
| Equity | 16,928.00 | 17,361.00 | 18,428.00 | 19,792.00 | 19,979.00 | 21,822.00 | 22,373.00 | 18,991.00 |
| Equity share capital | 90.00 | 90.00 | 94.00 | 113.00 | 145.00 | 163.00 | 163.00 | 229.00 |
| Other equity | 16,838.00 | 17,272.00 | 18,334.00 | 19,679.00 | 19,834.00 | 21,660.00 | 22,210.00 | 18,763.00 |
| Total liabilities | 58,884.00 | — | 54,480.00 | — | 50,606.00 | 48,359.00 | 48,764.00 | 55,252.00 |
Cash flow, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 4,078.00 | 4,001.00 | 3,776.00 | -123.00 | 2,276.00 | 8,772.00 | -2,681.00 | -7,466.00 |
| Net cash from investing activities | -1,653.00 | 884.00 | 1,289.00 | 1,590.00 | -123.00 | -5,578.00 | -987.00 | -1,540.00 |
| Net cash from financing activities | -6,470.00 | -9,142.00 | -3,771.00 | -2,383.00 | -316.00 | -2,373.00 | 2,807.00 | 14,684.00 |
| Purchase of property, plant and equipment | 23.00 | 49.00 | 28.00 | 59.00 | 19.00 | 49.00 | 30.00 | 53.00 |
| Net increase in cash | -4,045.00 | -4,257.00 | 1,295.00 | -916.00 | 1,837.00 | 821.00 | -860.00 | 5,678.00 |
| con:CFO.BEFORE_TAX | 4,414.00 | 3,437.00 | 3,981.00 | -3,189.00 | 977.00 | 5,729.00 | -3,138.00 | -8,455.00 |
| con:INTEREST_RECEIVED.OPERATING | 3,836.00 | 6,983.00 | 2,914.00 | 8,101.00 | 3,691.00 | 7,714.00 | 2,979.00 | 5,387.00 |
| con:INTEREST_PAID.OPERATING | 3,898.00 | 5,841.00 | 2,885.00 | 5,331.00 | 2,391.00 | 5,012.00 | 2,371.00 | 4,159.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 273.00 | 578.00 | 234.00 | -295.00 | 1.00 | -341.00 | 151.00 | 239.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 4.00 | 6.00 | 1.00 | 3.00 | 2.00 | 4.00 | 11.00 | 13.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-12-31 | 2024-02-15 | 2024-03-31 | 2024-06-30 | 2024-08-29 | 2024-09-30 | 2024-12-31 | 2025-01-27 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | 0.28 |
| Domestic institutions | 8.55 | 6.60 | 7.25 | 6.83 | 6.73 | 6.49 | 6.71 | 6.72 | 5.91 | 5.96 | 0.17 | 0.14 | 0.13 | 0.08 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 0.42 | 0.11 | 0.08 | 0.08 | 0.04 |
| Insurance companies | 8.08 | 5.34 | 5.78 | 5.76 | 5.67 | 5.41 | 5.30 | 4.74 | 4.75 | 4.75 | 0.05 | 0.05 | 0.03 | 0.03 |
| Foreign institutions | 23.42 | 20.41 | 19.33 | 19.14 | 19.89 | 19.77 | 19.53 | 27.41 | 24.69 | 24.40 | 0.19 | 0.25 | 0.46 | 0.20 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 98.29 | 98.29 | 98.29 | 98.30 | 98.30 | 98.31 | 98.31 | 98.48 | 98.09 | 98.09 | 0.98 | 0.98 | 0.99 | 0.70 |
| Non-institutional | 66.33 | 71.29 | 71.71 | 72.34 | 71.69 | 72.05 | 72.06 | 64.35 | 67.49 | 67.73 | 0.62 | 0.59 | 0.40 | 0.43 |
| Shares outstanding | 492453029 | 492453029 | 492453029 | 496032064 | 729997213 | 732455111 | 741703264 | 828369930 | 828369930 | 828369930 | 828369930 | 828670547 | 1158670658 | 1161543631 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Sammaan Finserve Limited (Formerly Indiabulls Commercial Cre | Subsidiary Company | Any other transaction, Interest received, Loan | 23,777,400,000.00 | 14 |
| Pragati Employees Welfare Trust | Subsidiary Company | Any other transaction, Interest received, Loan | 1,439,800,000.00 | 5 |
| Sammaan Capital Limited (Formerly Indiabulls Housing Finance | Holding Company | Interest received, Loan | 946,200,000.00 | 10 |
| Sammaan Collection Agency Limited (Formerly Indiabulls Colle | Subsidiary Company | Any other transaction, Interest received, Loan | 189,000,000.00 | 5 |
| Gagan Banga | Vice Chairman/ Managing Director & | Remuneration | 99,600,000.00 | 2 |
| Mukesh Kumar Garg | Chief Financial Officer | Remuneration | 31,100,000.00 | 2 |
| Sachin Chaudhary | Executive Director | Remuneration | 26,500,000.00 | 2 |
| Rajiv Gandhi | Managing Director & CEO | Remuneration | 18,300,000.00 | 2 |
| Ambar Maheshwari | Whole Time Director & CEO | Remuneration | 17,500,000.00 | 2 |
| Ashish Kumar Jain | Chief Financial Officer | Remuneration | 7,000,000.00 | 2 |
| Subhash Sheoratan Mundra | Non Executive Chairman, Independen | Remuneration | 5,300,000.00 | 1 |
| Amit Jain | Company Secretary | Remuneration | 4,300,000.00 | 2 |
| Gorinka Jaganmohan Rao | Independent Director | Remuneration | 3,600,000.00 | 1 |
| Ajit Kumar Singh | Company Secretary | Remuneration | 3,000,000.00 | 2 |
| Satish Chand Mathur | Independent Director | Remuneration | 600,000.00 | 2 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-08-19 | Q1FY27 | LIMITED | Read the call |
| 2026-02-10 | Q3FY26 | Read the call | |
| 2025-11-03 | Q2FY26 | LIMITED | Read the call |
| 2025-08-19 | Q1FY26 | Read the call | |
| 2025-05-20 | Q4FY25 | Read the call | |
| 2025-02-14 | Q3FY25 | Read the call | |
| 2024-11-18 | Q2FY25 | Read the call | |
| 2024-08-20 | Q1FY25 | SAMMAAN CAPITAL LIMITED | Read the call |
| 2024-05-29 | Q4FY24 | CHIEF EXECUTIVE OFFICER, ICCL, FINANCE LIMITED | Read the call |
| 2024-02-20 | Q3FY24 | FINANCE LIMITED | Read the call |
| 2023-11-17 | Q2FY24 | Read the call | |
| 2023-08-17 | Q1FY24 | ANALYTICS, INDIABULLS HOUSING FINANCE, CHIEF, DIRECTOR,, FINANCE, INDIABULLS HOUSING FINAN | Read the call |
| 2023-05-25 | Q4FY23 | Read the call | |
| 2023-02-17 | Q3FY23 | FINANCE LIMITED, HOUSING FINANCE LIMITED, INDIABULLS HOUSING FINANCE LIMITED, LIMITED | Read the call |
| 2022-11-17 | Q2FY23 | HOUSING FINANCE, INDIABULLS HOUSING FINANCE, OFFICER, INDIABULLS HOUSING FINANCE | Read the call |
| 2022-05-30 | Q4FY22 | Read the call | |
| 2022-05-26 | Q4FY22 | ASHWIN, HEAD, HOUSING FINANCE, INDIABULLS HOUSING FINANCE | Read the call |
What they said about it, quarter by quarter
| Topic | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY22 | Q4FY23 | Q4FY24 | Q4FY25 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | — | — | — | — | — |
| Capital allocation | And at the same point in time, if we get a chance, we would certainly like to give a dividend. | — | — | And how are we planning to use, say, profits because in one of the earlier conference call, you did mention that we have a good dividend payout ratio … | On top of that, this year, we have also not proposed any dividend in the backdrop of the RBI circular which disallows dividend distribution if a compa… | We are now technically able to give dividends even for FY2023 but it is a matter that has to be first is a technical qualification then the matter has… | So this also assumes a healthy rate of dividend payout from the earnings as the scale of the company and the stability of the company has now been ach… | So dividend, we will discuss with the Board and propose a small dividend this year and hopefully a larger dividend next year. |
| Costs | — | — | — | — | — | — | — | — |
| Debt and cash | February 14, 2023 - The safety that we have been able to trying to build in has resulted in the net debt to equity, which has now declined to only 2.3… | That has nothing to do with the cash flow of it. | — | — | — | — | — | — |
| Demand | — | — | — | — | The biggest needle mover is how we do on co-lending on which I have spoken enough in terms of how that model has scaled up and the fact that we alread… | — | — | — |
| Guidance | There, again, we have done a last-mile financing transaction with a fund, which over the next 2 years, we expect that the funds facility, | I don't wish to, at this stage, give a guidance on credit costs because we are in the midst of taking this decision. | As for the other question around NPAs and credit costs, etcetera, our guidance for the credit cost on a total AUM basis has been detailed at 80 to 100… | One would be, could you give any projections or any guidance for the next 2, 3 years on the lines of the revenue and the cost of credit? | We expect the approval to be received by the end of this month and again aim to start disbursing within H1 fiscal FY2023. We are also in the process o… | The ₹ 10,000 Crores of write-offs and NPAs that we took we expect that through the cycle over the next further three years or so the total recovery wi… | And sir, my last question, just the growth guidance, you have broadly indicated the path for next 3 years, how we are going to grow in terms of broade… | So if your question is do we expect in the near term, any near to medium term, any dip from capital, no, that is not the expectation. |
| Margin | — | — | — | — | — | — | — | — |
| People | — | So that's the general utilization of the liquidity that we shall receive. | — | — | — | — | — | — |
| Pricing | — | — | — | — | So the mandate given by the risk management committee to the team is we have set ground rules as part of the risk management committee, we have set cr… | The wholesale piece where we are not incrementally doing a lot of business, we are doing only a little business through the AIF there typically the de… | — | And so PTCs in due course of time would also emerge as a very interesting option because just because of the pricing advantage that instrument would h… |
| Revenue growth | — | And therefore, year-on- year, it would show a growth of a couple of hundred crores since we've dipped in to the tune of about INR700 crores. | — | — | The AUM growth of 10% which I have mentioned is despite the reduction of 20% in the legacy book. | — | — | — |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | We have also successfully fully integrated the co-lending technology platform with two of our partner banks and are on track to complete tech integration with all of our co-lending partners within H1 of fiscal FY2023. Overall, we aim to disburse roughly Rs.15,000 Crores of retail loans in fiscal FY2023 and Rs.20,000 Crores of retail loans in fiscal FY2024 through co-lending and sell down. |
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | We expect the approval to be received by the end of this month and again aim to start disbursing within H1 fiscal FY2023. We are also in the process of filing a third AIF fund with again a capacity of Rs.5,000 Crores within May itself. |
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | We are on track to reduce it further by 20% by the end of the calendar from March 2022 level. |
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | As we move forward, we expect our gross NPAs to remain in the range of 3% to 3.5% for some time. |
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | For fiscal FY2023 we expect credit costs to remain between 100 to 150 basis points. |
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | I believe we are now at about the end of this transformation and thus I would like to lay out today very finite goals for fiscal FY2023 and FY2024. We expect AUM to grow in fiscal FY2023 by 10% and fiscal FY2024 by 15%. |
| 2022-05-26 | Q4FY22 | INDIABULLS HOUSING FINANCE | Given all of these considerations, I have confidence that we should be able to grow our AUM by 10% this year and that is the other area of emphasis and focus that we have as management. |
| 2022-11-17 | Q2FY23 | INDIABULLS HOUSING FINANCE | November 14,2022 I will now quickly cover the headline numbers for quarter; The balance sheet, loan book and AUM has stabilized as I had been promising you for the last three quarters and now I think we formed a base as you may have read from our earnings update, the balance sheet has marginally grown the AUM and loan book has stabilized and I believe in the second half of this year we should be able to record conservatively at 10%, optimistically at 15% AUM growth. |
| 2022-11-17 | Q2FY23 | INDIABULLS HOUSING FINANCE | Very, very important over the last 7 quarters I had been consistently communicating that we should be able to hold our gross NPA range at between 3% to 3.5% and today at the end of first half of fiscal 23 we stand at 2.94%. |
| 2022-11-17 | Q2FY23 | INDIABULLS HOUSING FINANCE | For this year I had communicated that we expect our credit cost to be between 100 to 150 basis points, we are trending that and as I had said earlier if after this crisis in the last quarters, if one is to believe me then our credit cost should come down at half of these levels next year onwards. |
| 2022-11-17 | Q2FY23 | INDIABULLS HOUSING FINANCE | So, we are trending extremely well basis the real estate cycle and I assume that this is the numbers that come in front of me we should be down in another 30% by the end of this fiscal year. |
| 2023-02-17 | Q3FY23 | INDIABULLS HOUSING FINANCE LIMITED | Over the course of the next 2 to 3 years, we expect at least 50% recovery to come through in terms of cash collections. |