| Margins | Net total income at 6.5%; expected margin improvement from high-yield segments. |
|---|---|
| Order book | Disbursements crossed ₹50,000 crores in Q4 FY26. |
| Demand visibility | Strong retail and SME demand; system credit expanding at 16%. |
| Management confidence | High; citing steady India growth and robust capital buffers. |
Growth
AUM grew 28% (ex-Motor Finance) and 20% (including Motor Finance) YoY; PAT excluding non-recurring items grew 36% for FY26.
Outlook
Guided for 23-25% AUM growth through FY28, targeting ROA of 2.5-2.7% and cost-to-income ratio of 33-34%.
Risks
Geopolitical conflicts in West Asia affecting inflation and supply chains, plus evolving El Niño impacts on rural demand.
Earnings Call filed with NSE, NSE: TATACAP. Summary written with AI assistance from the document.
Tata Capital Ltd: key numbers
- Share price
- ₹320.55
- Market cap
- ₹1,36,069 Cr
- Revenue (annual)
- ₹31,540 Cr
- Net profit (annual)
- ₹4,846 Cr
- P/E (TTM)
- 25.2×Sector 21.8×
- Promoter holding
- 85.41%+0.00% QoQ
- FII holding
- 5.17%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Tata Capital Ltd
All →Tata Capital Management Change
Tata Capital will replace its Head-Treasury when Kiran Joshi superannuates on 30 Sep 2026. Mandar Joshi, current EVP Treasury, succeeds him from 1 Oct 2026.
Tata Capital Debt & Borrowing
Tata Capital has allotted Non-Convertible Debentures (NCDs) on a private placement basis. This debt issuance follows the company's recent regulatory compliance and capital procedures.
Tata Capital Debt & Borrowing: ₹3,000 Cr
Tata Capital Limited has allotted secured, redeemable non-convertible debentures on a private placement basis, raising Rs.3,000 Crore to bolster its debt capital.
- Value
- ₹3,000 Cr
Tata Capital Employee Stock Options
Tata Capital Limited has granted 56,26,703 stock options to eligible employees under its ESOP scheme, with an exercise price of Rs. 365.55 per share.
Tata Capital Management Change
Tata Capital shareholders approved the appointment of T. P. Ostwal & Associates LLP as Joint Statutory Auditor, succeeding MSKA & Associates LLP upon term completion.
Tata Capital Annual General Meeting
Tata Capital Limited concluded its 35th Annual General Meeting, passing all agenda items including dividend declaration, auditor appointments, and authorization for non-convertible debenture issuance.