Sammaan Capital · forward-looking guidance across the available source record.
Guidance tracker
Currently at 2.2x leverage, the company plans to increase to 4.0-4.5x by 2030 to widen the product suite, particularly for higher-yielding loan products (8-19% range). Existing prime mortgage assets will continue using the low-leverage distribution model.
Company targets reducing cost of funds by approximately 270 basis points within 9-12 months of the IFC investment, from current 9% to below 8%, contingent on RBI approval being expedited.
Management and IFC have aligned on a dividend payout policy targeting 30-40% dividend payout ratio over the longer term, with dividends expected to commence within one year of the investment closing.
Technology-driven co-ending arrangements with multiple bank partners will yield 15-18% operating cost savings on business volumes processed through this model. Integration with several banks already complete with volumes starting from January 2026.