| Margins | Margins stable at 6.5%; expected to improve in FY27. |
|---|---|
| Demand visibility | Strong credit demand; system credit expanding at 16% YoY. |
| Management confidence | High; optimistic on India growth story and retail/SME segments. |
Growth
FY26 PAT grew 36% YoY excluding non-recurring items; AUM excluding motor finance grew 28% YoY to ₹2.52 lakh cr.
Outlook
FY25-FY28 AUM growth guidance of 23-25%; targeting 15% unsecured retail mix and 2% ROA for motor finance by FY28.
Risks
Global geopolitical conflicts (West Asia), El Niño impacting rural demand, and rising incremental borrowing costs.
Earnings Call filed with BSE, NSE: TATACAP. Summary written with AI assistance from the document.
Tata Capital Ltd: key numbers
- Share price
- ₹318.55
- Market cap
- ₹1,35,220 Cr
- Revenue (annual)
- ₹31,540 Cr
- Net profit (annual)
- ₹4,846 Cr
- P/E (TTM)
- 25.0×Sector 21.9×
- 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.