Tata Capital Limited — Q1FY27 Earnings Call Summary

TATACAP · Q1FY27 · Filed 03 Aug 2026

Key Takeaways

• Credit cost guidance maintained at 1% for FY27; expect margin expansion of ~10 bps and operating leverage gains
• Q1 FY27 PAT INR1,547 crores, up 56% y-y; consolidated ROA 2.3% (2.5% ex-Motor Finance)
• Gold loan business acquisition planned; target 500+ branches and INR4,000-5,000 crores portfolio in 2.5-3 years
• Management confident of meeting FY27 guidance with strong growth, stable asset quality, and improving margins
• Housing Finance AUM grew 24% y-y to INR89,416 crores; credit cost 0.05%; PAT up 29% y-y
• Cost of funds 7.28% in Q1; cost-to-income improved to 36.4%, down 190 bps q-q
• Motor Finance book moderated to INR24,445 crores; focus on portfolio quality and profitability
• Consolidated AUM grew 22% y-y to INR2.91 lakh crores; excluding Motor Finance, AUM grew 28% y-y
• AI initiatives driving 40% productivity gains, 98% digital onboarding, and improved collections
• Retail plus SME lending to remain 85-88% of portfolio; corporate lending growth to be managed within this range

📄 Source: View original transcript (PDF)

Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.