Analysts/Institutional Investor Meet/Con. Call Updates

Date: August 19, 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: Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended – transcript of earnings conference call –financial results for the quarter ended June 30, 2026 Dear Sirs, We refer to our earlier intimation dated August 13, 2026, informing that the Company has uploaded the audio recording of the earnings conference call hosted by it on August 13, 2026, on the financial results of the Company for the quarter ended June 30, 2026, on its website. In this connection, pursuant to the provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, please find enclosed the transcript of the said earnings conference call. The said transcript is also being uploaded on the website of the Company. Please take the aforesaid intimation on 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 “Sammaan Capital Limited Q1 FY27 Earnings Conference Call” August 13, 2026 MANAGEMENT: MR. GAGAN BANGA – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – SAMMAAN CAPITAL LIMITED H.E. DALIA KHORSHID – CHIEF EXECUTIVE OFFICER – AVALORA HOLDINGS MODERATOR: MR. ARYAN SUMRA – MUFG INTIME INDIA PRIVATE LIMITED Page 1 of 16 Sammaan Capital Limited August 13, 2026 Moderator: Ladies and gentlemen, good day, and welcome to Sammaan Capital Limited Q1 and FY27 Earnings Conference Call hosted by MUFG Intime. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing star, then zero on your touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Aryan Sumra from MUFG Intime. Thank you, and over to you, sir. Aryan Sumra: Thank you. Good evening, everyone. I welcome you all to the Q1 FY27 Earnings Conference Call for Sammaan Capital Limited. To discuss company's quarterly performance, we have with us Her Excellency, Dalia Khorshid, CEO, Avalora Holding; and Mr. Gagan Banga, MD and CEO; along with other senior members of the management team. Before we proceed with the call, I would like to mention that some of the statements within today's call may be forward-looking and may involve risks and uncertainties. For more details, kindly refer to the investor presentation and other filings that can be found on the company's website. With that said, I would like to hand over the call to the management for the opening remarks. Thank you, and over to you. Gagan Banga: Good day, everyone, and welcome to the quarter one fiscal '27 earnings call. This is the first quarter under the ownership of IHC that the company has executed on. The assets under management in line with our guidance have increased to INR56,239 crores. We've done disbursements of approximately INR3,875 crores. The capital adequacy is comfortable at 20.1%. Profits after tax, last quarter, we had done all the required adjustments, provisions, markdowns, etcetera. From this quarter onwards, we start compounding journey, which should hopefully run across many, many years, so as the first building block of that, the quarter one profit after-tax is INR243 crores. We had spoken about the fact that recoveries would continue to be an important earning support, so we had gross recoveries of INR424 crores. Net recoveries net of the provisions for the quarter of INR240 crores. And in normal course of business, the net NPA is now standard 0.15%. The management has been focusing on four pillars. The most important pillar from a long-term perspective for effective execution is to have a very robust liability franchise for which credit ratings are the most important ingredient. The company saw domestic ratings upgrades from AA to AA+. International rating upgrades from B+ to BB-. And through the second half of this year and financial year '28, we are fairly confident that we will move towards domestic AAA credit ratings and internationally, BB+ type of rating. Based on the support provided by IHC as a promoter as well as the strength of the balance sheet with the capital and the higher credit rating, the cost of funds are in the process of declining. We Page 2 of 16 Sammaan Capital Limited August 13, 2026 started at 10.5%, through the quarter, we have reached 10%, and we are hopeful -- which is stock cost of funds, and we are hopeful of going to 9.3% by the end of this year. By September, we are optimistic to get to 9.6%. The incremental cost of fund is now down to about 9%. And we hope to make that further decline to by the end of the year at to 8.5%. And as the ratings continue to move up and eventually stabilize, we hope to hit the 7% range, 7%, 7.5%, 8% range over the course of the next 2 to 3 years. Disbursals for the first half are planned at INR10,000 crores. First quarter was bang on target, and that will increase to INR20,000 crores in the second half. We've started widening the product segments that we operate in. We have been a monoline product company for many, many years. We've already started personal loans and loans against securities, we've also been working on building our credit platform with credit funds. So, on the NBFC, we've done the first transaction of that site. I will talk about it in detail. And then we've also started buying portfolios to be able to do testing, which will help us then start executing directly on many other product segments. In the second half of this year, with the app going live, the digital personal loans product will be live, with the branch expansion happening, we would also be in a position to start implementing our micro LAP loan strategy and the rural home loan strategy. We would be building on the branch network to enable other products, which require a very robust physical presence on the ground, such as gold loans to start implementing that strategy by financial year '28. The branch network at the end of the first half would be approximately 240 branches, which will increase to 270 branches. More importantly, we already cover 20 states with 23 master service centers. So, with the core already in play, large coverage across the country already in play. Now these master service centers have to compound the number of spokes that they have, which is a relatively easier task versus initiating a presence in certain states. Manpower is increasing every day. New offers are being given. We started that process in April, May. So, by August-September, that would start touching a fairly robust number. In the meantime, not only are we focusing on increasing our feet on street and mid-management with the product segments increasing, we are also focused on the complexity management, which comes with many products, and the assurance functions which need to be beefed up for effective risk and compliance management. So senior management personnel have been hired, mid-level hiring is happening, and the large number hiring is happening on feet on street for both sales, collections and credit processes. The third important area for the company is the entire tech landscape that we are covering, which largely focuses on building a di [Showing first 8,000 characters — download PDF for full document]