India · Delayed Price · Currency is INR Tata Capital Earnings Call Transcripts
Fiscal Year 2026
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Strong AUM and PAT growth in FY 2026, with improved asset quality and cost efficiency. Outlook for FY 2027 remains positive, driven by retail, SME, and high-yielding segments, while maintaining robust capital and liquidity positions.
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AUM grew 20% year-over-year to INR 2.77 lakh crore, with PAT up 51% for Q4 and 36% for FY 2026. Credit costs and NPAs improved, driven by AI adoption and disciplined execution. Guidance targets 23%-25% CAGR AUM growth through FY 2028.
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Quarterly AUM and profit after tax saw robust double-digit growth, with strong performance in retail, SME, and housing finance. Asset quality and operating metrics improved, digital transformation advanced, and the company remains on track to meet FY 2026 guidance.
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AUM grew 22% YoY (excl. Motors Finance) with strong profit growth and improved asset quality. Housing finance and affordable housing segments led growth, while Motors Finance is stabilizing. Guidance remains robust for AUM, profitability, and credit costs.