Sammaan Capital Limited
Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease r...
Key Metrics
EPS
16.63
Current ratio
1.00
Debt/Equity
2.69
Debt/EBITDA
30.78
Interest coverage ratio
-
Operating Cashflow to total debt
-0.00
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Improvement in resource mobilisation from diversified sources at competitive costs in line with peers in the similar rated categories.
Sustained improvement in disbursements levels leading to consistent growth.
Improvement in consolidated earnings profile with return on managed assets (ROMA) above 2% along-with improvement in the share of retail mortgage assets on a sustained basis.
Liquidity: Adequate
Cons
Incremental cost of borrowing persisting at higher level compared to peers in similar rated category.
Persistent challenges in resource raising ability from diversified sources compared to peers in similar rated category.
Deteriorating consolidated asset quality parameters with gross non-performing asset (GNPA) ratio of above 3% and decline in consolidated profitability with return on managed assets (ROMA) below 1% on sustained basis.
Inability to scale up asset light business model consistent with current business levels.
Deteriorating consolidated liquidity position with diminishing coverage of cash and equivalent to next one year debt servicing.
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About Sammaan Capital Limited bond.
This comprehensive profile covers key factual information about Sammaan Capital Limited. Indiabulls Housing Finance Ltd, incorporated in 2005, is registered with and regulated by National Housing Bank (NHB) and is engaged in the business of providing home loans and loan against property. It also provides corporate mortgage loan - lease rental discounting and residential construction finance. EPS in Mar-2024 was 16.63. Current ratio in Mar-2024 was 1.00. Debt/Equity in Mar-2024 was 2.69. Debt/EBITDA in Mar-2024 was 30.78. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was -0.00. Total revenue for Mar-2025 was ₹7973.89. Net income for Mar-2025 stood at ₹1178.49. Total assets as of Mar-2024 were ₹73,059.67. Total liabilities as of Mar-2024 were ₹53,267.77. Operating cash flow for Mar-2024 was ₹-123.28. The company’s borrowing relationships include Bank of Baroda (₹N/A Cr), Bank of India (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), Canara Bank (₹N/A Cr), Central Bank of India (₹N/A Cr), Federal Bank (₹N/A Cr), HDFC Bank Limited (₹N/A Cr), IDBI Bank Limited (₹N/A Cr), IDBI Trusteeship Services Limited (₹N/A Cr), IDFC First Bank Limited (₹N/A Cr), Indian Bank (₹N/A Cr), Indian Overseas Bank (₹N/A Cr), Induslnd Bank Limited (₹N/A Cr), Proposed (₹N/A Cr), Punjab & Sind Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), RBL Bank Limited (₹N/A Cr), State Bank of India (₹N/A Cr), UCO Bank (₹N/A Cr), Union Bank of India (₹N/A Cr). Peers and comparison entities consist of Sammaan Capital Limited, LIC Housing Finance Limited, PNB Housing Finance Limited, Aptus Value Housing Finance India Limited. As of Jan 2025, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Improvement in resource mobilisation from diversified sources at competitive costs in line with peers in the similar rated categories.; Sustained improvement in disbursements levels leading to consistent growth.; Improvement in consolidated earnings profile with return on managed assets (ROMA) above 2% along-with improvement in the share of retail mortgage assets on a sustained basis.; Liquidity: Adequate; . Key risks include: Incremental cost of borrowing persisting at higher level compared to peers in similar rated category.; Persistent challenges in resource raising ability from diversified sources compared to peers in similar rated category.; Deteriorating consolidated asset quality parameters with gross non-performing asset (GNPA) ratio of above 3% and decline in consolidated profitability with return on managed assets (ROMA) below 1% on sustained basis.; Inability to scale up asset light business model consistent with current business levels.; Deteriorating consolidated liquidity position with diminishing coverage of cash and equivalent to next one year debt servicing.. Leadership team details include Achuthan Siddharth (No description), Amit Jain (No description), Ashish Heda (No description), Ashwin Mallick (No description), Dinabandhu Mohapatra (No description), Gagan Banga (No description), Hemal Zaveri (No description), Mukesh Chaliha (No description), Mukesh Garg (No description), Naveen Uppal (No description), Niharika Bhardwaj (No description), Rajiv Gupta (No description), Ramnath Shenoy (No description), Sachin Chaudhary (No description), Satish Chand Mathur (No description), Shefali Shah (No description), Somil Rastogi (No description), Subhash Sheoratan Mundra (No description). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.