Sammaan Capital Limited (formerly Indiabulls Housing Finance Ltd), one of India’s prominent NBFCs, has approved the issuance of foreign currency denominated bonds to accelerate its sustainable financial strategies. This strategic move, approved by its Securities Issuance and Investment Committee, aligns with its broader asset-light model and strengthens global investor confidence. With a benchmark issue expected under Regulation S format, backed by its robust credit ratings and strategic financial transformation, the proceeds are intended to be used under its sustainable financing framework, largely for onward lending.
SCL has significantly improved its fundamentals, including a healthy Capital Adequacy Ratio of 34.1%, a net worth of ~US$2.4 billion, and an AUM of ~US$7.2 billion. Its transformation into an asset-light, professionally managed, promoter-less institution has been well received in the market. Additionally, strong co-lending partnerships, tech integration with banks, and securitization strength have further enhanced its financial profile. Given its prudent risk management, diversified funding sources, and consistent performance in the retail mortgage segment, the impact on the stock market is likely to be positive. Investor confidence could surge, anticipating future earnings growth and lower risk exposure.
• ✨ Company Update: Sammaan Capital Limited (formerly Indiabulls Housing Finance Ltd) to issue foreign currency bonds. • 💰 Purpose: Funds will be used under sustainable financing framework, primarily for onward lending. • 🔹 Board Approval: Issuance approved by Securities Issuance and Investment Committee on March 24, 2025. • 🌍 Global Appeal: Issuance under Reg S format, targeting international investors. • 🌟 Credit Standing: Long-term rating – AA/Stable (CRISIL & ICRA); International – B+/Positive (S&P). • 📊 Strong Metrics: ✔ Net Worth: ~US$2.4B ✔ AUM: ~US$7.2B ✔ Capital Adequacy Ratio: 34.1% ✔ Net NPA: 0.7% • 💼 Strategic Model: Operates on co-lending & asset-light model. • ✨ Legacy De-risking: Legacy AUM reduced by 78% since FY19. • 🌟 Technology Integrated: Collaboration with 10 banks; tech integration with 4 banks. • 🌟 Investor Impact: Positive momentum expected in share price with bond issuance.
Stock Market Impact:
• Increased capital inflow. • Strengthened global credibility. • Reduced risk perception through diversified funding. • Reinforcement of asset-light model with robust fundamentals.
Short-term impact may include share price appreciation and increased trading volumes. Long-term effect includes improved profitability and valuation metrics, aligning with global ESG investment trends.
Company Profile (Sammaan Capital Limited):
• Formerly Indiabulls Housing Finance Ltd, rebranded in 2023. • One of India’s largest mortgage-focused NBFCs. • Net Worth: ~$2.4 billion | AUM: ~$7.2 billion • Capital Adequacy: 34.1%, Debt-Equity: 2.2x • 1.4+ million customers | 200+ offices | 8,280 DSAs • Asset-light, professionally governed, and digitally integrated • Co-lending partnerships with 10 banks
🔷 Company Announcement:
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Sammaan Capital Limited (formerly Indiabulls Housing Finance Ltd) will issue foreign currency-denominated bonds.
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Approved on March 24, 2025 by its Securities Issuance and Investment Committee.
🔷 Purpose of the Issue:
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Funds will be used under Sustainable Financing Framework.
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Primarily aimed at onward lending, per RBI ECB guidelines.
🔷 Financial Position:
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💰 Net Worth: ~US$2.4 billion
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📊 Total AUM: ~US$7.2 billion
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📉 Net NPA: 0.7%
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📈 Capital Adequacy Ratio (CRAR): 34.1%
🔷 Business Model Highlights:
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Asset-light, co-lending approach with 10 bank partnerships.
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Tech-integrated with 4 banks already.
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De-risked legacy book (reduced 78% since FY19).
🔷 Share Market Impact:
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📈 Boost in investor confidence expected.
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🌍 Strengthens global appeal via Reg S bond issuance.
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🔐 Reinforces credibility & transparency, possibly triggering stock price growth.
🔷 Company Identity:
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🏢 Rebranded from Indiabulls Housing Finance to Sammaan Capital in 2023.
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🧩 Promoter-less, professionally managed NBFC.
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🏢 217 branches, 1.4M+ customers, 8,280 direct selling associates.
🔷 Credit Ratings:
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Domestic: AA/Stable (CRISIL, ICRA)
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International: B+/Positive (S&P)
🔷 Bond Details:
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Fixed Rate, Senior Secured Social US$ Notes.
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Format: Regulation S only.
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Listed on India INX.
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Disclaimer: This post is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy/sell any stock or share. Investing in the stock market involves risk. Past performance is not indicative of future results. Always conduct your own research or consult a licensed financial advisor before making investment decisions.
