Tata Capital (TATACAP) — Financial Results

📢 Key Event
Tata Capital reports 56% YoY PAT growth to INR1,547 crores in Q1 FY27, driven by strong Housing Finance performance and AUM expansion.

🔄 What Changed
PAT growth accelerated to 56% YoY; gold loan acquisition progress; USD400M bond issuance completed; Micro Housing AUM growth targeted at 100% this fiscal.

🔮 What's Next
ROA target of 2% by FY28; 23-25% AUM growth guidance for the year; gold loan branch expansion to 500+ post-RBI approval; Micro Housing AUM to reach INR2,400-2,880 crores by FY28.

💡 Investor Takeaway
Strong profitability and growth momentum, especially in Housing Finance and gold loan expansion plans, support long-term value creation for shareholders.

Tata Capital reported consolidated AUM of INR2.91 lakh crores, up 22% YoY, with PAT rising 56% to INR1,547 crores. Housing Finance AUM grew 24% YoY to INR89,416 crores and PAT increased 29% to INR532 crores, achieving 2.5% ROA. The company plans to acquire Yogloans for gold loans, targeting 500+ branches and INR4,000-5,000 crores AUM in 2-3 years post-RBI approval. It issued USD400 million in bonds at T-Bill + 107 bps, strengthening funding diversification. Management expects margin expansion from higher-yield products and AI-driven efficiency, with ROA targeting 2% by FY28. Gold loan integration will rebrand the unit under Tata Capital without retaining a separate brand.

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About Tata Capital Limited (TATACAP)

Financial Services · Finance · Listed on NSE

Market Cap: ₹1,30,720.74 Cr

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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