Investor Presentation

August 13, 2026 Scrip Code – 535789, 890192 Symbol - SAMMAANCAP/EQ, SCLPP BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, “Exchange Plaza”, Dalal Street, Bandra-Kurla Complex, Bandra (E). MUMBAI – 400 001 MUMBAI – 400 051 Sub: Earnings Update for the quarter ended June 30, 2026. Dear Sirs, Please find enclosed an Earnings Update of Sammaan Capital Limited, for the quarter ended June 30, 2026, for your information and record. Thanking you, Yours truly, For Sammaan Capital Limited Amit Jain Company Secretary India International Exchange IFSC Limited (“India INX”) NSE IFSC Limited (“NSE IX”) Sammaan Capital Limited (CIN: L65922DL2005PLC136029) Corp. Off. 1st Floor, Tower 3A, DLF Corporate Greens, Sector-74A, Gurgaon, Narsinghpur, Haryana – 122 004, India. T. +91 1246048213 F. +91 1246048214 Reg. Off. A-34, 2nd & 3rd Floor, Lajpat Nagar-II, New Delhi – 110 024, India. T. +91 1148147506 F. +91 1148147501 Email. homeloans@sammaancapital.com Web. www.sammaancapital.com Investor Presentation | Q1FY27 Safe Harbour This presentation and the accompanying slides (the “Presentation”), which have been prepared by Sammaan Capital Limited (the “Company’ or ‘SCL’ ), have been prepared solely for information purposes and do not directly or indirectly constitute any offer, advertisement, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. Any reference herein to the “Group” shall mean the Company, together with its subsidiaries / joint ventures/ affiliates,asmaybeapplicable. This Presentation is based on information and data considered reliable by the Company; however, no representation or warranty, express or implied, is made as to the truth, accuracy, completeness, fairness or reasonableness of the contents. The Presentation may not be all inclusive and may not contain all information considered material. Any liability in respect of thecontentsof,oranyomissionfrom,thisPresentationisexpresslyexcluded. Thisdocumentisforyourinformationanduseonlyandmaynotberetained,copied,reproduced,recirculated,redistributed,publishedordisseminated,inwholeorinpart,withoutthe priorwrittenconsentoftheCompany. ThisPresentationdoesnotpurporttoprovideacompletedescriptionofthemarketconditions,theGroup,orallinformationnecessarytoevaluateaninvestmentintheGroup.Itshould bereadinconjunctionwiththeCompany’sotherperiodicandcontinuousdisclosureannouncementsavailableontheCompany’swebsiteandthestockexchanges’websites. The information is provided on an “as-is” basis and is subject to change without notice. Its accuracy, fairness and completeness are not guaranteed and have not been independently verified.NoresponsibilityorliabilityisassumedbytheCompany,itsdirectors,officers,employees,affiliatesoradvisersforanyerrors,omissions,lossordamagearisingfromrelianceon thisPresentation.Unauthorizeduse,disclosureorpublicdisseminationisprohibited,anddistributionmayberestrictedbylaw. Thestatementsinthisdocumentspeakonlyasatthedatetheyaremade.TheCompanydisclaims anyobligationtoupdate,reviseorsupplementsuchstatementsortonotifyrecipients of any changes. This document is for informational purposes and private circulation only and does not constitute a prospectus, offering circular, memorandum, advertisement or any offerorsolicitationtobuy,sellorsubscribetosecuritiesunderapplicablelaw. This Presentation has not been approved and may not be reviewed or approved by any statutory or regulatory authority or stock exchange in India. It is not financial, legal, tax or investment advice. Forward-looking statements are subject to risks and uncertainties, and actual results may differ materially. The Company assumes no obligation to update any forward-looking information. Financial and operational information based on management estimates may differ from that of other companies. All maps are not to scale, and all data, informationandmapsareprovided“asis”withoutwarrantyofaccuracy,timelinessorcompleteness. Consolidated Financial Highlights: Q1FY27 ASSETS UNDER DISBURSEMENT CAPITAL ADEQUACY MANAGEMENT ₹ 56,239 Cr ₹ 3,875 Cr 20.1% ($ 5.9 Bn) ($ 406.6 Mn) PROFIT AFTER TAX CREDIT COST NET NPA 0.15% ₹ 243 Cr Gross Recovery: Net Recovery*: ₹ 424 Cr ₹ 240 Cr ($ 25.5 Mn) ($ 44.5 Mn) ($ 25.1 Mn) *Net Recovery =Gross Recovery -Incremental Provisions & Other Credit Costs INR/USD –₹ 95.3 Clear Path to Growth H1FY27 H2FY27 FY28 FY29-30 Domestic: AA to AA+ Domestic: AA+ to AAA Credit Ratings International: BB+ to BBB International: B+ to BB- International: BB-to BB+ Liability Incremental CoF: 10.5% to 9.0% ~9.0% to 8.5% 8.5% to 7.8% 7.8% to 7.2% Franchise Stock CoF: ~10.5% to ~9.6% ~9.6% to ~9.3% 9.3% to 8.9% 8.9% to 7.8% Cost of Funds Supported by Balance Sheet Strength and Comfort from IHC Group ~₹ 10,000 Cr ~₹ 20,000 Cr ₹ 40,000 to ₹ 50,000 Cr ₹ 50,000 to ₹ 92,000 Cr per year Disbursals ($ 1.0 Bn) ($ 2.1 Bn) ($ 4.2 Bn to $ 5.2 Bn) ($ 5.2 Bn to 9.6 Bn) • Commercial real estate (CRE) Rural Loans: Product • • P Loe ars no An ga al iL no sa tn with credit funds • Digital Personal Loans • Rural Home Loans • • G 2Wold & L 3o Wan s Financing ‐ Consumer Durable Loans ‐ Personal Loan -Salaried Disbursals, Expansion Securities • Portfolio Buyout & Related • Micro LAP Loans • Retail & E-Commerce Lending ‐ Digital & Lifestyle Financing ‐ Loan to Professionals Products ‐ Micro Finance Products & Branches ~240 ~270 ~700 to ~800 ~1,100 to ~1,600 Distribution • Senior recruitments Manpower ~6,000 ‐ Drive New Business Growth ~10,000 to ~12,500 ~16,500 to ~20,000 ‐ Complexity Management ‐ Provide Expertise in areas like Data-science • Tech initiative: • eMortgage: End-to- - Salesforce • Other AI Use cases impact: Digital and AI Adoption End Online Loan - AWS Partnership ₋ Automated Reconciliations • AI-driven cross-sell / next-best-offer, 1 [Digital First: App for All Fulfilment - Darwin Box ₋ Portfolio monitoring etc • AI-assisted loan life-cycle, Individual & MSME loan - Temenos • Chatbot/co-pilot for customer service & DSA • • P Cr oo rd pu oc rati tv eit Ly o g aa ni n ss u ia tc er fo us ls ly I T d, i R gii ts ik z, e C dredit & Ops Products] • AI: 53 Use Cases Identified: • LSP middleware & compliance automation • Autonomous / low-touch credit decisioning at scale ₋ Business Impact in areas like IT, Risk and Credit (Zigram) • 2 IHC Board members • Process of On-Boarding Big-5 firmas Statutory • IHC Representative Presence on key Board auditor committees • On boarding of Big-5 firm as Internal Audit Co- Governance • Big-5 firm: Statutory auditor from Sept 2027 • Defined AI governance framework with Board & sourcing partner Risk oversight • New Independent Directors will be appointed to further strengthen the Board DSA: Direct Selling Associates; LSP:Lending Service Provider Liability Franchise: Rating Upgrades and Declining Cost of Funds AA+ Consensus Achieved Key Achievements for the Quarter Repricing Existing Borrowings - Lower cost of incremental borrowings + repricing of existing of stock of borrowings AA+/Stable AA+/Stable AA+/Stable BB-/Stable Return of Private & Foreign Banks (International Credit Rating) - Fresh sanctions from private and foreign banks after a multi-year gap, signaling strong lender confidence and credit perception FY28 target: AAA Rating Supported by Operating Strength and Comfort from IHC Group Top-3 Bond Issuer in the AA+ Peer Set ‐ 3rd-highest bond issuance among AA+ peers during Apr–Aug 2026 Completed bond buybacks of USD 63 Mn, focus on cost reduction and proactive Asset Liability management Benefits Visible in the Liability Profile Steady Reduction in Stock Cost of Funds Secondary Yields Re-rated 10.9% ‐ Both domestic and international bonds tightened following the rating upgrades 10.4% 10.0% ~9.3% ~8. 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