Sammaan Capital Ltd.

Financial

	Sammaan Capital	Can Fin Homes	Home First Finance
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	-44.21 %	n/a	n/a
% of AUM in equity fund	48.57 %	n/a	n/a
AUM - Mutual Funds	363.69 Crs	n/a	n/a
Net NPA	0.8 %	0.54 %	n/a
Banking Sector
Net Interest Margin	n/a	3.64 %	5.2 %
NBFC
Capital to Risks Assets Ratio (CRAR)	34.1 %	23.23 %	49.6 %
Tier I Capital	31.2 %	24.48 %	n/a
Gross NPA	1.3 %	0.98 %	1.8 %
Cost To Income Ratio	25.0 %	18.33 %	34.2 %
Cost of Borrowing	8.1 %	7.47 %	8.4 %
AUM - NBFC	62346.0 Crs	38773.0 Crs	13478.7 Crs
Financials
5 yr Average ROE	8.26 %	16.8 %	12.24 %
5yr average Equity Multiplier	5.04	8.63	3.95
5yr Average Asset Turnover Ratio	0.12	0.09	0.12
5yr Avg Net Profit Margin	13.83 %	22.45 %	26.48 %
5yr Avg Net Profit Margin	13.83 %	22.45 %	26.48 %
5yr CAGR Net Profit	-11.2 %	13.44 %	30.71 %
5yr CAGR Sales	-7.95 %	13.96 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.48	1.98	4.96
P/E	11.2	11.36	30.24
Shareholdings
Promoter Holding	0.0	29.99 %	12.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.59 %	0.0	-21.15 %
Change in Mutual Fund Holding (3 Yrs)	-0.57 %	-6.67 %	13.33 %

Business

	Sammaan Capital	Can Fin Homes	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 70.92 Fees & Commission Income 1.85 Loans for Sites 0 Mortgage Loans/ Flexilap 0 Top-up Personal Loans 0 Housing Loans 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 27.23	Product Wise Break-Up Loan From Banks 4.78 Interest Income 0 Fees & commission 0 Interest income 0 Net gain on fair value charge 0 Loan Against Property 6.51 Loans for Sites 0.88 Home loans 87.46 Fees & Commission Income 0 Others 0.37	Product Wise Break-Up Top-up Personal Loans 0 Interest Income 0 Fee & Commission income 4.17 Interest Income 87.52 Net gain on derecognition of financial assets carried at fair value 0.74 Mortgage Loans/ Flexilap 0 Loans for Sites 0 Housing Loans 0 Fees & Commission Income 0 Others 7.57
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Debenture 36.0 Sell Down 35.0 Bank Loan 28.0 ECB 1.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Commercial Paper 0 Loans & Advances from Related parties 0 Term Loan from Federal Bank 0 Deposits 0 0 Term Loans 0 National Housing Bank 0	Borrowing Break-Up - NBFC ECB 0 Loans & Advances from Related parties 0 Term Loans 0 Debenture 0 Loan From Banks 53.0 Debenture 22.0 Deposits 1.0 Commercial Papers 7.0 National Housing Bank 17.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Sell Down 0 Bank Loan 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 0 Rest of the World 0 Others 100
Distribution Channel	Distribution Channel Direct 65.0 eHome Loans 22.0 External Channels 8.0 Branch Walk-ins 5.0	-	-
AUM Break-Up	AUM Break-Up Loan Against Property 53.0 Corporate Banking 29.0 Business Loans 18.0 Mortgage & LAP 0 Rennovation 0 Resale 0 Flat 0 Construction 0	AUM Break-Up Resale 4.0 Flat 7.0 Construction 62.0 Business Loans 0 Loan Against Property 0 Mortgage & LAP 9.0 Rennovation 2.0 Corporate Banking 0 Others 16.0	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 52.47 Equity 35.81 Debt 8.6 ETF 3.12 Balanced schemes 0 FMP 0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Sammaan Capital Ltd.

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