Tata Capital Limited – Investor Presentation Summary

Key Operational Highlights

  • Net AUM reached ₹2,90,502 crore, up 22% YoY and 5% QoQ (excluding Motor Finance: ₹2,66,057 crore, up 28% YoY and 6% QoQ)
  • Net AUM addition in Q1FY27 was ₹13,227 crore QoQ
  • Retail + SME constitute 85.4% of Net AUM
  • Unsecured Retail loans form 10.3% of Net AUM
  • Customer franchise stood at 8.8 million as of June 2026
  • 1,491 branch locations across 27 states and union territories
  • On-roll employees count stood at 30,170 (5% YoY growth vs 22% AUM growth)

Segment-wise Performance

Business Segment Wise Net AUM (₹ crore):

  • Retail (excl. Motor Finance): ₹1,43,035 (49.2% of total)
  • Home loans: ₹46,052 (15.9%)
  • Loan against property: ₹41,250 (14.2%)
  • Personal/Business loans: ₹26,202 (9.0%)
  • CEQ/Two-Wheeler: ₹14,351 (4.9%)
  • Other Retail loans: ₹15,181 (5.2%)
  • SME: ₹80,567 (27.7% of total)
  • Corporate: ₹42,456 (14.6% of total)
  • Motor Finance: ₹24,445 (8.4% of total)

Product-wise Performance (Retail):

  • Home loans: ₹46,052 crore, 15.2% YoY growth, avg ticket size ₹33.0 lakh
  • Loan against property: ₹41,250 crore, 33.2% YoY growth, avg ticket size ₹37.8 lakh
  • Commercial vehicle loans: ₹23,905 crore, (18.5)% YoY growth, avg ticket size ₹15.7 lakh
  • Personal loans: ₹15,903 crore, 11.2% YoY growth, avg ticket size ₹4.1 lakh
  • Business loans: ₹10,298 crore, 16.7% YoY growth, avg ticket size ₹14.0 lakh
  • Two-wheeler loans: ₹8,222 crore, 21.5% YoY growth, avg ticket size ₹0.8 lakh
  • Construction equipment loans: ₹6,129 crore, 6.7% YoY growth, avg ticket size ₹84.2 lakh
  • Car loans: ₹6,412 crore, 15.6% YoY growth, avg ticket size ₹6.3 lakh
  • Loan against securities: ₹5,368 crore, 27.6% YoY growth, avg ticket size ₹58.2 lakh
  • Microfinance loans: ₹2,733 crore, 28.0% YoY growth, avg ticket size ₹0.6 lakh
  • Education Loans: ₹1,046 crore, avg ticket size ₹36.4 lakh

Financial Highlights

Q1FY27 Performance (₹ crore):

  • Revenue: Not explicitly stated
  • Net Interest Income: ₹3,571 crore (up 25% YoY, 3% QoQ)
  • Fee Income: ₹692 crore (up 20% YoY, (1)% QoQ)
  • Investment Income: ₹193 crore (up 5% YoY)
  • Net Total Income: ₹4,455 crore (up 23% YoY, 7% QoQ)
  • EBITDA: Not explicitly stated
  • PAT: ₹1,547 crore (up 56% YoY, 3% QoQ)
  • EPS: Not specified for quarter

Margins:

  • Annualized ROA: 2.3% (vs 1.8% in Q1FY26)
  • Annualized ROE: 13.7% (vs 12.5% in Q1FY26)
  • Cost to income ratio: 36.4% (vs 36.8% in Q1FY26)
  • Cost to average assets: 2.4% (flat YoY)

YoY/QoQ comparison:

  • Net AUM: +22% YoY, +5% QoQ
  • PAT: +56% YoY, +3% QoQ
  • Net Interest Income: +25% YoY, +3% QoQ

Drivers of financial performance: Higher revenue growth, improved asset quality, operational efficiencies

Key Risks: Not explicitly disclosed in presentation

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not specified

Regional Breakdown: Not specified

Balance Sheet Snapshot

As of June 30, 2026 (₹ crore):

  • Total Net Loans: ₹2,81,083
  • Investments: ₹9,861
  • Other financial assets: ₹10,770
  • Total Assets: ₹3,01,714
  • Total Borrowings: ₹2,45,487
  • Other financial liabilities: ₹7,367
  • Networth: ₹47,440
  • Total Equity: ₹46,237
  • Instruments entirely equity in nature: ₹1,203
  • Non Controlling Interest: ₹1,421

Financial Health Metrics:

  • Total Borrowings to Total Equity ratio: 5.3x
  • Liquidity buffer: ₹29,039 crore
  • Average Cost of Borrowings: 7.3% (7.1% in Q4FY26)
  • CRAR, Tier-I, Tier-II: Not specified for current quarter

Capex & Cash Flow Health

Capital Expenditure: Not specified

Free Cash Flow: Not specified

Operating Cash Flow: Not specified

Net Debt Movement: Not specified

Investment Rationale: Focus on capacity expansion, technology upgrades

Strategic & R&D Initiatives

Investments in Innovation:

  • Building an AI-First NBFC with enterprise-wide AI transformation
  • AI for Customer Engagement: Unified AI voice and interaction platform
  • AI for Document Intelligence: Extraction, validation and analysis of financial documents
  • AI Platform & Infrastructure: Hybrid cloud environment, multi-model AI architecture
  • AI-Powered Analytics: AI-driven insights across acquisition, underwriting, servicing

Expected impact on growth: Faster turnaround time, higher productivity, better customer experience, lower cost to serve, stronger risk monitoring

Strategic Rationale: Expanding into high-growth markets (gold loans), reducing operational costs through digital transformation

Industry Trends & Business Environment

Macro/Industry Trends: Not explicitly discussed

Impact on Company: Not explicitly discussed

Management Commentary & Growth Outlook

Strategic Outlook: Not explicitly quoted but presentation emphasizes "Responsible Financial Partner Fulfilling India's Aspirations"

FY Guidance: Not explicitly provided

Market Share Targets: Not specified

Risks and Opportunities: Not explicitly highlighted

ESG Updates

Key ESG Initiatives:

  • 650+ Cleantech projects including 30 GW+ renewable capacity financed
  • 1.7 MWp solar capacity installed through CSR
  • 50,000+ lakh litres of annual water harvesting potential created
  • 2.5+ lakh saplings planted
  • 10% women in workforce
  • 600+ MF branches across the country
  • 8 lakh+ Women empowered by MF Loans
  • 3.7+ million lives impacted by CSR projects
  • 100% employees trained on Ethics, Anti-Bribery

Awards & Recognition:

  • Global Environment Award 2025 for Green Finance Sector
  • NBFC and Fintech Excellence Awards 2026 for Innovative Application of AI
  • Summit Awards 2026 for Tech-Driven NBFC of the Year
  • Customer Centric Company of the Year at 24th CX Strategy Summit 2026
  • ET Martech Awards 2025 for Innovative AI & Automated Campaigns
  • Tata Innovista Award for Gen AI-powered CAM Project- 2025
  • Best BFSI Brand 2025 by ET Edge

Digital Transformation

Digital Capabilities:

  • Digitizing entire loan lifecycle
  • AI-generated marketing content and campaign personalization
  • Digital onboarding ecosystem with 85%+ Account Aggregator penetration
  • Digital KYC adoption: 99% for PL, 2W, HL; 84% for car loans
  • e-Mandate: 98% for PL, 2W; 97% for car loans; 87% for HL
  • e-Agreement: 98% for PL; 91% for 2W; 85% for car loans; 86% for HL

AI Workforce Development:

  • 12,000+ employees trained in AI
  • 100% mid and senior management coverage
  • 9,000+ AI-assisted interviews in regional languages