Tata Capital Q1 FY27 Earnings Call Transcript Released
Tata Capital's Q1 FY27 results show consolidated AUM at ₹2.91 lakh crore (up 22% YoY) and PAT at ₹1,547 crore (up 56% YoY). The company is acquiring Yogloans to enter the gold loan business, aiming for 500+ branches and ₹4,000-₹5,000 crore AUM in 3 years. A USD 400 million bond issuance was also successful.
The key developments include strong financial performance, a strategic acquisition (Yogloans), and a successful international bond issuance, which collectively have a significant impact on the company's growth prospects and financial standing.
The announcement highlights strong year-on-year growth in AUM and PAT, a significant reduction in credit costs, successful fundraising, and strategic expansion into new business areas, all contributing to a positive outlook.
Tata Capital Limited has released the transcript of its media call and earnings conference call with analysts and investors for the quarter ended June 30, 2026. The call, held on July 28, 2026, provided an update on the company's financial performance and strategic developments.
During the call, Managing Director and CEO, Mr. Rajiv Sabharwal, highlighted the strong macro environment in India, with a real GDP growth of 7.7% in FY26 and sustained credit demand in Q1 FY27. He noted the company's entry into the gold loans business through the proposed acquisition of Yogloans, aiming to diversify its retail lending portfolio. Additionally, Tata Capital successfully raised USD 400 million through an oversubscribed international bond issuance, reflecting investor confidence.
Consolidated assets under management (AUM) stood at ₹2.91 lakh crore, up 22% year-on-year. Profit after tax (PAT) for the quarter was ₹1,547 crore, a 56% increase year-on-year. The company reported a significant drop in credit costs to 1% from 1.6% in the previous year. Tata Capital Housing Finance also showed strong performance with AUM up 24% year-on-year and PAT up 29% year-on-year.
The company is leveraging artificial intelligence (AI) to drive scale and efficiency across its operations, from onboarding and underwriting to collections, resulting in productivity gains. The transformation of the motor finance business is also on track.
In response to analyst questions, Mr. Sabharwal detailed the strategy for the gold loan business, expecting to add over 500 branches and build a portfolio of ₹4,000-₹5,000 crore in 3 years post-acquisition. He also elaborated on the benefits of AI, expecting a 10-15 basis points improvement in ROA over the next two years. The company's focus remains on retail and SME lending, constituting 85.4% of its portfolio, with plans to expand its distribution network to 1,491 branches.
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