Full Year 2026 Tata Capital Ltd Earnings Call Transcript

Apr 23, 2026 / 01:00 PM GMT

Release Date Price: ₹340.6 (+0.96%)

Transcript

Key Points

Positve

Tata Capital Ltd (NSE:TATACAP) reported a 28% year-on-year growth in assets under management (AUM), excluding motor finance, surpassing their guidance.
Profit after tax for the quarter increased by 51% year-on-year, supported by lower credit costs and improved asset quality.
The company achieved a significant milestone with disbursements crossing Rs 50,000 crores in Q4, marking a 32% year-on-year increase.
Asset quality showed strong improvement with slippages declining to the lowest levels in eight quarters, and net NPA reduced to 0.5%.
Tata Capital Ltd (NSE:TATACAP) maintained a robust capital adequacy ratio of 19%, well above regulatory requirements, providing a strong foundation for future growth.

Negative

The macroeconomic environment remains uncertain with potential risks from geopolitical developments and evolving El Nino conditions impacting inflation and rural demand.
Funding costs have seen an uptick due to recent global developments, posing a challenge to maintaining stable cost of funds.
The motor finance business experienced a sequential decline in AUM by 4%, reflecting a cautious approach despite underlying momentum.
Non-interest income was relatively weaker this quarter, impacted by mark-to-market adjustments on investments.
The company faces competitive pressures in the motor finance segment, requiring strategic adjustments to maintain market share.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

TATC.NS - Tata Capital Ltd
Full Year 2026 Tata Capital Ltd Earnings Call
Apr 23, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and Gentlemen, Good day and welcome to the Tata Capital Q4 FY26 Earnings Conference Call.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing star and then zero on your touchtone phone.

I now hand the conference over to Mr. Sandeep Tripathi, Head of Strategy and Investor Relations at Tata Capital.

Thank you, and over to you, sir.

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Unidentified_2 [2]
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