TATA CAPITAL LIMITED

Tata Capital Limited's earnings conference call on July 28, 2026, highlighted a strong performance for Q1 FY27, with a consolidated profit after tax of INR 1,547 crores, up 56% year-on-year. The company's assets under management (AUM) reached INR 2.91 lakh crores, reflecting a 22% increase year-on-year. Management noted healthy credit demand and a stable macroeconomic environment, with a focus on retail and SME lending, which together constituted 85.4% of the portfolio. Key developments included the acquisition of Yogloans to enter the gold loans market and a successful USD 400 million bond issuance. The company reported a decline in credit costs to 1% and a net NPA of 0.8%. Management emphasized the role of AI in enhancing operational efficiency and customer experience. The call concluded with management expressing confidence in sustaining growth and maintaining asset quality amidst macroeconomic challenges.

Management emphasized strong growth and operational efficiency throughout the quarter.