SAMMAANCAP
SammaanCapital
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as of 23 May 2026 · not a recommendation
Evidence timeline
What management said
from NSE earnings-call filings · extracted, not interpreted
roe 15.0%
And by fiscal '27, get to profitability in the handle of INR500 crores with an ROE of around 15%, which can expand to past 20%.
Call 18-Nov-2024 · transcript PDF
Outlook, as stated
Cost-to-income ratio at the end of -- for the first half stood at about 25% as we gain scale and gain more momentum around our disbursals and the AUM, this is also coming towards the target of our fiscal '25 number, which is to bring it down to less than 20%.
The growth AUM, which is all the disbursals that we've been doing since fiscal '22, that AUM has increased from INR29,000 crores to now past INR32,000 crores, and we are well on our way to achieve INR1 lakh crores of growth AUM target by fiscal '27.
As we do recoveries which we have projected in the next few quarters of INR4,050 crores, that's the quantum of write-backs which will happen, which will aid profitability and will also provide cash flows for the retail loan book growth.
4.65
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260 sessions to 31 Jul 2026 ·
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