| Margins | Margins stable at 6.5%; expected to improve in FY27. |
|---|---|
| Demand visibility | Strong credit demand; system credit expanding at 16% YoY. |
| Management confidence | High; optimistic on India growth story and retail/SME segments. |
Growth
FY26 PAT grew 36% YoY excluding non-recurring items; AUM excluding motor finance grew 28% YoY to ₹2.52 lakh cr.
Outlook
FY25-FY28 AUM growth guidance of 23-25%; targeting 15% unsecured retail mix and 2% ROA for motor finance by FY28.
Risks
Global geopolitical conflicts (West Asia), El Niño impacting rural demand, and rising incremental borrowing costs.
Earnings Call filed with BSE, NSE: TATACAP. Summary written with AI assistance from the document.
Tata Capital Ltd: key numbers
- Share price
- ₹339.15
- Market cap
- ₹1,43,965 Cr
- Revenue (annual)
- ₹31,540 Cr
- Net profit (annual)
- ₹4,846 Cr
- P/E (TTM)
- 26.6×Sector 22.0×
- Promoter holding
- 85.41%+0.00% QoQ
- FII holding
- 5.17%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Tata Capital Ltd
All →Tata Capital Management Change
Tata Capital will replace its Head-Treasury when Kiran Joshi superannuates on 30 Sep 2026. Mandar Joshi, current EVP Treasury, succeeds him from 1 Oct 2026.
Tata Capital Debt & Borrowing
Tata Capital has allotted Non-Convertible Debentures (NCDs) on a private placement basis. This debt issuance follows the company's recent regulatory compliance and capital procedures.
Tata Capital Debt & Borrowing: ₹3,000 Cr
Tata Capital Limited has allotted secured, redeemable non-convertible debentures on a private placement basis, raising Rs.3,000 Crore to bolster its debt capital.
- Value
- ₹3,000 Cr
Tata Capital Investor Presentation: Key Takeaways
Tata Capital reports strong Q1FY27 performance with 56% YoY PAT growth and 22% Net AUM growth. Strategy focuses on retail/SME expansion and entering the gold loan segment.
Tata Capital Q1 FY27 Results: Net Profit ₹1,628 Cr, Up 56.4% YoY
Tata Capital Ltd reported revenue from operations of ₹8,822 Cr (+15.1% YoY) and net profit of ₹1,628 Cr (+56.4% YoY) for Q1 FY27.
- Key figure
- Net profit ₹1,628 Cr · +56.4% YoY
Tata Capital Earnings Call: Key Takeaways
Tata Capital reports Net AUM of $29.3bn for FY26, achieving a 20% YoY growth. Strategy focuses on a 'Phygital' distribution model and digital-first approach with Retail & SME forming 86% of the portfolio.