Tata Capital Limited — PPTs, 28-07-2026: Investor Presentation

Here's a summary of Tata Capital's investor presentation:

**Business Performance:**

Tata Capital saw strong growth with a 22% YoY increase in consolidated Net AUM, reaching ₹2,90,502 Cr. Profit After Tax (PAT) jumped an impressive 56% YoY to ₹1,547 Cr. Asset quality remains robust with GNPA at 1.9% and NNPA at 0.8%. The company's focus on retail and SME segments, which constitute 85.4% of Net AUM, continues to drive performance.

**Growth Drivers or Strategy:**

A significant strategic move is the acquisition of Yogakshemam Loans Limited ("Yogloans"), marking Tata Capital's entry into the gold loan business through an established network of over 160 branches in Southern India. This acquisition is expected to bolster their secured lending segment.

**Recent Developments:**

The acquisition of Yogloans is a key development, pending customary conditions and approvals. Tata Capital is also actively leveraging AI across its operations, from customer acquisition and underwriting to servicing and collections, aiming for enhanced efficiency and customer experience.

**Key Financial Metrics:**

* Net AUM: ₹2,90,502 Cr (up 22% YoY)

* PAT: ₹1,547 Cr (up 56% YoY)

* Annualized ROA: 2.3%

* Annualized ROE: 13.7%

**Management Commentary / Outlook:**

The company has provided guidance for FY28, anticipating an AUM CAGR of 23%-25% and PAT CAGR of over 30%. They aim to maintain credit costs below 1.0% and Net NPAs below 1.0%, with a target ROA of 2.5%-2.7% and ROE of 17%-18%. Tata Capital continues to focus on digital transformation and AI integration to drive future growth.