{"id":9637,"date":"2025-07-14T10:40:10","date_gmt":"2025-07-14T10:40:10","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9637"},"modified":"2026-04-14T12:09:34","modified_gmt":"2026-04-14T12:09:34","slug":"sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/","title":{"rendered":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#High_Yield_CRISIL_AAStable_Rated_Minimum_Investment_10k_Only\" >High Yield\u00a0|\u00a0CRISIL AA\/Stable Rated\u00a0|\u00a0Minimum Investment: 10k Only<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Bond_overview\" >Bond overview\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Coupon_rates_and_effective_yield_for_each_of_the_series\" >Coupon rates and effective yield for each of the series\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Principal_Redemption_Schedule_and_Redemption_Amounts\" >Principal Redemption Schedule and Redemption Amounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Allocation_Ratio\" >Allocation Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Investment_Process_for_Sammaan_Capital_Limited_NCD_IPO\" >Investment Process for Sammaan Capital Limited NCD IPO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Issue_analysis\" >Issue analysis<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Pros\" >Pros\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Cons\" >Cons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Liquidity_Position\" >Liquidity Position<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Financial_Overview\" >Financial Overview<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Snapshot_stating_the_Revenue_Expenses_Net_Worth_and_PAT_In_crores\" >Snapshot stating the Revenue, Expenses, Net Worth and PAT (In crores)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Cash_flow_for_last_few_years_In_crores\" >Cash flow for last few years (In crores)<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Ratio_Analysis\" >Ratio Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\" >To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#About_Sammaan_Capital_Limited\" >About Sammaan Capital Limited<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Strengths\" >Strengths<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Weaknesses\" >Weaknesses<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#Invest_in_Bond_IPO_online_in_just_5_minutes\" >Invest in Bond IPO online in just 5 minutes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"High_Yield_CRISIL_AAStable_Rated_Minimum_Investment_10k_Only\"><\/span><strong>High Yield\u00a0|\u00a0CRISIL AA\/Stable Rated\u00a0|\u00a0Minimum Investment: 10k Only<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bond_overview\"><\/span><strong>Bond overview\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sammaan Capital Limited is issuing the Non-Convertible Debentures. These NCDs are <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/list-of-aa-rated-bonds-2\/\">AA rated<\/a> with stable outlook by CRISIL &amp; ICRA. The NCDs are being issued in thirteen series: coupon ranges from 8.42% to 9.95% p.a. and different tenures of 24 months, 36 months, 60 months, 84 months, and 120 months. The NCDs are secured and redeemable in nature. <\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-9638 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103045\/Screenshot-2025-07-14-130849.png\" alt=\"\" width=\"661\" height=\"787\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103045\/Screenshot-2025-07-14-130849.png 661w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103045\/Screenshot-2025-07-14-130849-252x300.png 252w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103045\/Screenshot-2025-07-14-130849-585x697.png 585w\" sizes=\"(max-width: 661px) 100vw, 661px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><b>Coupon rates and effective yield for each of the series\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-large wp-image-9639 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-1024x447.png\" alt=\"\" width=\"1024\" height=\"447\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-1024x447.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-300x131.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-768x335.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-1536x670.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-2048x893.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-1170x510.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-1920x837.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103242\/Picture3-1-585x255.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Principal_Redemption_Schedule_and_Redemption_Amounts\"><\/span><b>Principal Redemption Schedule and Redemption Amounts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"size-large wp-image-9640 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-1024x493.png\" alt=\"\" width=\"1024\" height=\"493\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-1024x493.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-300x144.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-768x370.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-1536x740.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-2048x986.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-1170x563.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-1920x925.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103312\/Picture2-3-585x282.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><b>Allocation Ratio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The allocation ratio is prepared based on norms laid down by SEBI. Before announcing the allocation ratio, the same has to be approved by SEBI.\u00a0 Once the IPO subscription closes, applications will be divided into different categories. The category-wise allocation ratio is always decided and declared during the launch of the particular IPO. Considering the Allocation Ratio, units will be assigned to applicants. Refer to the chart to know the application ratio for Sammaan Capital Limited NCD-IPO.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-large wp-image-9641 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-1024x615.png\" alt=\"\" width=\"1024\" height=\"615\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-1024x615.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-300x180.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-768x461.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-1536x923.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-1170x703.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1-585x351.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103339\/Picture8-1.png 1653w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Process_for_Sammaan_Capital_Limited_NCD_IPO\"><\/span><b>Investment Process for Sammaan Capital Limited NCD IPO<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can invest in IPOs via GoldenPi in 3 easy steps.<\/span><\/p>\n<h2><img decoding=\"async\" class=\"size-full wp-image-9201 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow.png\" alt=\"\" width=\"576\" height=\"218\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow.png 576w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2024\/12\/17112823\/Investment-flow-300x114.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Issue_analysis\"><\/span><b>Issue analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Pros\"><\/span><b>Pros\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Attractive Yields<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-a-yield\/\">Yield<\/a> goes up to <strong>9.96<\/strong><\/span><b>% p.a.<\/b><span style=\"font-weight: 400;\">, among the highest in the secured NCD category \u2014 ideal for yield-hunting investors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Social Impact Investing<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Investing supports a microfinance business model promoting <\/span><b>women empowerment and rural income generation<\/b><span style=\"font-weight: 400;\">, aligning with ESG preferences.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Secured NCDs<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> The NCDs are <\/span><b>secured by receivables<\/b><span style=\"font-weight: 400;\"> with exclusive charge, enhancing investor safety in case of default.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible Tenure Options<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Options include <\/span><b>18, 24, 36, 60, and 75-month tenures<\/b><span style=\"font-weight: 400;\"> with various payout modes (annual, monthly, cumulative).<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Cons\"><\/span><b>Cons<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low Liquidity on Exchange<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Small-issue NCDs from MFIs often witness <\/span><b>thin trading volumes<\/b><span style=\"font-weight: 400;\">, limiting secondary market exit options.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher Risk Business Segment<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> The MFI sector is <\/span><b>vulnerable to local political disruptions, regulatory caps on interest<\/b><span style=\"font-weight: 400;\">, and borrower repayment capacity issues.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited Brand Recognition<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> As a smaller player in the microfinance space, Sammaan doesn\u2019t enjoy the same brand recall or sponsor strength as larger NBFCs.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Liquidity_Position\"><\/span><b>Liquidity Position<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cash and equivalents stood at \u20b948.4 crore<\/b><span style=\"font-weight: 400;\"> as of March 31, 2025.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Has <\/span><b>unutilized sanctions of \u20b945 crore<\/b><span style=\"font-weight: 400;\"> from banks\/FIs, providing buffer to meet near-term obligations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Positive cumulative mismatches in all time buckets (as per ALM profile), indicating <\/span><b>comfortable short-term liquidity<\/b><span style=\"font-weight: 400;\"> .<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Financial_Overview\"><\/span><b>Financial Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Revenue_Expenses_Net_Worth_and_PAT_In_crores\"><\/span><b>Snapshot stating the Revenue, Expenses, Net Worth and PAT (In crores)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-9642 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-1024x584.png\" alt=\"\" width=\"1024\" height=\"584\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-1024x584.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-300x171.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-768x438.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-1536x876.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-2048x1168.png 2048w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-1170x667.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-1920x1095.png 1920w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103540\/Picture9-585x334.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cash_flow_for_last_few_years_In_crores\"><\/span><b>Cash flow for last few years (In crores)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\"size-large wp-image-9643 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441-1024x552.png\" alt=\"\" width=\"1024\" height=\"552\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441-1024x552.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441-300x162.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441-768x414.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441-1170x631.png 1170w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441-585x315.png 585w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103615\/Screenshot-2024-12-09-113441.png 1187w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Cash flow refers to the movement of cash in and out of the business at a specific point in time. It represents the net balance of the cash movement.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*Cash flow from operating activities reflects the amount a company generates through its product of services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><span style=\"font-weight: 400;\">***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects the net flows of cash that are used to fund the company.<\/span><\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><b>Ratio Analysis<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><img decoding=\"async\" class=\"size-full wp-image-9644 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103642\/Ratio-Analysis-1024x896-1.png\" alt=\"\" width=\"1024\" height=\"896\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103642\/Ratio-Analysis-1024x896-1.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103642\/Ratio-Analysis-1024x896-1-300x263.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103642\/Ratio-Analysis-1024x896-1-768x672.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/14103642\/Ratio-Analysis-1024x896-1-585x512.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-better-return-fds\"><b>To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"About_Sammaan_Capital_Limited\"><\/span><b>About Sammaan Capital Limited<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"191\" data-end=\"604\"><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-december-2024-should-you-invest\/\">Sammaan Capital Limited<\/a> is a prominent non-banking financial company (NBFC) primarily engaged in retail mortgage lending across India. The company has built a strong portfolio catering to individual homebuyers and small-business borrowers, particularly in underserved markets. Known for its prudent risk management and scalable operations, Sammaan has emerged as a significant player in the housing finance space.<\/p>\n<p data-start=\"606\" data-end=\"1049\">As of FY2025, Sammaan Capital manages a diversified funding base comprising long-term and short-term instruments, including non-convertible debentures (NCDs), commercial papers, and subordinated debt. It has secured high credit ratings from CRISIL \u2014 <strong data-start=\"856\" data-end=\"871\">AA (Stable)<\/strong> for long-term and <strong data-start=\"890\" data-end=\"897\">A1+<\/strong> for short-term borrowings \u2014 reflecting its strong capital position, robust asset quality in the retail segment, and disciplined underwriting practices.<\/p>\n<p data-start=\"1051\" data-end=\"1303\">With plans to transition toward a funding-light business model, Sammaan Capital is strategically repositioning itself to enhance operational efficiency and reduce funding concentration risks, while maintaining its focus on stable, asset-backed lending.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><b>Strengths<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li data-start=\"61\" data-end=\"269\">\n<p data-start=\"64\" data-end=\"103\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"50\" data-is-last-node=\"\" data-is-only-node=\"\">Strong Credit Ratings &amp; Large Scale Facilities<\/strong><\/span><\/p>\n<ul data-start=\"107\" data-end=\"269\">\n<li data-start=\"107\" data-end=\"187\">\n<p data-start=\"109\" data-end=\"187\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Maintains high ratings: <strong data-start=\"24\" data-end=\"46\">CRISIL AA (Stable)<\/strong> for long-term and <strong data-start=\"65\" data-end=\"72\">A1+<\/strong> for short-term instruments.<\/span><\/p>\n<\/li>\n<li data-start=\"191\" data-end=\"269\">\n<p data-start=\"193\" data-end=\"269\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Rated bank loans amounting to \u20b924,550\u202fcrore, along with \u20b94,000\u202fcrore in subordinated debt, \u20b91,000\u202fcrore in short-term NCDs, \u20b925,000\u202fcrore in commercial paper, \u20b922,425\u202fcrore in NCDs, and \u20b913,566\u202fcrore in retail bonds.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"271\" data-end=\"395\">\n<p data-start=\"274\" data-end=\"313\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"41\" data-is-last-node=\"\" data-is-only-node=\"\">Robust Capitalisation &amp; Asset Quality<\/strong><\/span><\/p>\n<ul data-start=\"317\" data-end=\"395\">\n<li data-start=\"317\" data-end=\"395\">\n<p data-start=\"319\" data-end=\"395\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">CRISIL specifically highlights \u201cstrong capitalisation with healthy cover for asset-side risks\u201d and \u201ccomfortable asset quality in retail segment\u201d<\/span>.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"397\" data-end=\"525\">\n<p data-start=\"400\" data-end=\"439\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"31\" data-is-last-node=\"\" data-is-only-node=\"\">Significant Market Presence<\/strong><\/span><\/p>\n<ul data-start=\"443\" data-end=\"525\">\n<li data-start=\"443\" data-end=\"525\">\n<p data-start=\"445\" data-end=\"525\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">A sizeable player in the retail mortgage finance sector, catering to individual homebuyers and small-business lending<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Weaknesses\"><\/span><b>Weaknesses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li data-start=\"559\" data-end=\"689\">\n<p data-start=\"562\" data-end=\"603\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"33\" data-is-last-node=\"\" data-is-only-node=\"\">Strategic Transition Underway<\/strong><\/span><\/p>\n<ul data-start=\"607\" data-end=\"689\">\n<li data-start=\"607\" data-end=\"689\">\n<p data-start=\"609\" data-end=\"689\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">The company is in the midst of shifting to a \u201cplanned new funding-light business model\u201d. Demonstrating the success of this transition remains a key challenge.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"691\" data-end=\"821\">\n<p data-start=\"694\" data-end=\"735\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\"><strong data-start=\"0\" data-end=\"44\" data-is-last-node=\"\" data-is-only-node=\"\">Exposure to Commercial Real Estate (CRE)<\/strong><\/span><\/p>\n<ul data-start=\"739\" data-end=\"821\">\n<li data-start=\"739\" data-end=\"821\">\n<p data-start=\"741\" data-end=\"821\"><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Asset quality may be vulnerable due to significant exposure to CRE portfolios\u2014a segment sensitive to economic cycles.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h1 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><b>Invest in Bond IPO online in just 5 minutes<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><span style=\"font-weight: 400;\"><strong>Source-<\/strong> Tranche IV Prospectus July 8, 2025<\/span><\/p>\n<p><strong>Disclaimer- <\/strong><span style=\"font-weight: 400;\">The information is published as on date 07\/14\/2025 based on information available on Tranche IV Prospectus July 8, 2025. The information may be subject to change in case of change in terms of prospectus or any other reason as the case maybe. Contents which are exclusively for educational information\/knowledge sharing on capital market concepts and has no influence the investment\/sale decisions of any investors<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>High Yield\u00a0|\u00a0CRISIL AA\/Stable Rated\u00a0|\u00a0Minimum Investment: 10k Only \u00a0 Bond overview\u00a0 Sammaan Capital Limited is issuing the Non-Convertible Debentures. These NCDs are AA&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12071,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[113],"tags":[],"class_list":["post-9637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ncd-ipo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest? - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest? - GoldenPi | Blogs\" \/>\n<meta property=\"og:description\" content=\"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:author\" content=\"goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-14T10:40:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-14T12:09:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/\",\"name\":\"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest? - GoldenPi | Blogs\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png\",\"datePublished\":\"2025-07-14T10:40:10+00:00\",\"dateModified\":\"2026-04-14T12:09:34+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722\"},\"description\":\"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png\",\"width\":731,\"height\":347,\"caption\":\"Sammaan Capital Limited NCD IPO \u2013 July 2025\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"sameAs\":[\"goldenpitech\",\"https:\/\/www.linkedin.com\/company\/goldenpi\/\",\"https:\/\/x.com\/GoldenPiTech\"],\"url\":\"https:\/\/goldenpi.com\/blog\/author\/goldenpi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest? - GoldenPi | Blogs","description":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/","og_locale":"en_US","og_type":"article","og_title":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest? - GoldenPi | Blogs","og_description":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?","og_url":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_author":"goldenpitech","article_published_time":"2025-07-14T10:40:10+00:00","article_modified_time":"2026-04-14T12:09:34+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/","url":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/","name":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest? - GoldenPi | Blogs","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png","datePublished":"2025-07-14T10:40:10+00:00","dateModified":"2026-04-14T12:09:34+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722"},"description":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/25084339\/Sammaan-Capital-Limited-NCD-IPO-%E2%80%93-July-2025-should-you-invest.png","width":731,"height":347,"caption":"Sammaan Capital Limited NCD IPO \u2013 July 2025"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/sammaan-capital-limited-ncd-ipo-july-2025-should-you-invest\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Sammaan Capital Limited NCD IPO \u2013 July 2025, should you invest?"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7b7afc706617dbf29357675946045722","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/753eff78609551874c9773d3bee5eeab7bba3aa40f99a8b2405592eed9d9df89?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","sameAs":["goldenpitech","https:\/\/www.linkedin.com\/company\/goldenpi\/","https:\/\/x.com\/GoldenPiTech"],"url":"https:\/\/goldenpi.com\/blog\/author\/goldenpi\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=9637"}],"version-history":[{"count":9,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9637\/revisions"}],"predecessor-version":[{"id":13040,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9637\/revisions\/13040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/12071"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=9637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=9637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=9637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}