• IHC capital infusion: Sammaan Capital received approximately ₹5,600 crore from IHC in its first tranche via preferential shares, with over ₹3,200 crore scheduled to arrive over the next 18 months through warrants.
• AUM growth targets: The company will focus on lowering funding costs and rolling out new products over the next 12 to 18 months, aiming to double its AUM by fiscal 2029.
• Capital and credit rating: The company intends to keep its capital adequacy ratio above 20% with gearing at 3.5 to 4 times, targeting an upgrade from its current double-A rating to a triple-A rating under IHC parentage.
• Margin expansion outlook: Margins are projected to improve by 200 basis points over the next 12 to 18 months, driven by an estimated 2.5% drop in incremental borrowing costs and a 2% reduction on the existing stock of borrowings.