Tata Capital Limited — PPTs, 23-04-2026: Investor Presentation

Here's a summary of Tata Capital's performance and strategy:

**1. Business Performance:**

Tata Capital demonstrated robust growth in the latest quarter, with Net AUM increasing by 28% YoY to ₹2,51,885 Cr. Profit After Tax (PAT) saw a significant jump of 51% YoY, reaching ₹1,459 Cr. Asset quality remained strong, with GNPA at 1.5% and NNPA at 0.5%. The company also saw improvements in profitability ratios, with ROA at 2.5% and ROE at 14.6%.

**2. Growth Drivers or Strategy:**

The company is focused on expanding its "Phygital" distribution network, combining physical branches with digital capabilities across 27 states. A key strategic focus is on growing its Retail and SME segments, which now constitute approximately 86% of Net AUM.

**3. Recent Developments:**

Tata Capital completed its merger with Tata Motors Finance Limited in May, integrating operations. The company is also actively leveraging AI across its operations, from underwriting and marketing to collections and customer service, aiming for enhanced efficiency and customer experience.

**4. Key Financial Metrics:**

- Net AUM: ₹2,51,885 Cr (28% YoY growth)

- Profit After Tax (PAT): ₹1,459 Cr (51% YoY growth)

- GNPA: 1.5%

- NNPA: 0.5%

- ROA: 2.5%

- ROE: 14.6%

**5. Management Commentary / Outlook:**

The company maintains a positive outlook, targeting AUM growth of 22-25% YoY and PAT growth of 32-35% YoY. They are also focused on maintaining credit costs below 1% and achieving a ROA of 2.5-2.7% by FY28. Investments in technology and AI are expected to drive future growth and operational excellence.