Tata Capital Limited — Investor Meet, 03-08-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Tata Capital held a media and earnings conference call to discuss the financial results for the quarter ended June 30, 2026.

**Financial Performance:**

* Consolidated Assets Under Management (AUM) reached ₹2.91 lakh crore, growing 22% YoY (28% excluding Motor Finance).

* Profit After Tax (PAT) surged 56% YoY to ₹1,547 crore.

* Credit costs were 1% (down from 1.6% YoY), and Net NPA improved to 0.8%.

* Housing Finance AUM grew 24% YoY to ₹89,416 crore, with PAT up 29% YoY to ₹532 crore.

**Management Commentary & Outlook:**

* Management is optimistic about credit demand amidst a strong Indian economy.

* Key strategic moves include entry into the gold loans business and a successful USD 400 million international bond issuance.

* AI is a significant enabler, driving efficiency in onboarding, underwriting, and operations.

* The company aims to build a resilient financial services franchise with a focus on retail and SME lending.

**Operational Updates & Strategic Themes:**

* Distribution network expanded to 1,491 branches, serving 8.8 million customers.

* Cost to income improved by 190 basis points to 36.4%.

* Focus on high-margin products and AI integration for future growth and improved operating leverage.

**Investor Angle:**

The management conveyed confidence in sustained growth and long-term value creation, driven by a strong balance sheet, diversified funding, and technological advancements.