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Edge14 Aug 2026
Deutsche Qualität: The Story of Birkenstock
From an 18th-century German shoemaker to a global footwear brand, how Birkenstock turned an orthopedic insole into the world's most popular sandal.
Tata Capital
Tata Capital (TATACAP) investor relations material
Tata Capital Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary28 Jul, 2026
Executive summary
Q1 FY 2027 delivered strong growth with consolidated AUM at INR 2.91 lakh crore (₹2,90,502 Cr), up 22% year-on-year, and PAT rising 56% year-on-year to INR 1,547 crore.
Retail and SME segments made up 85.4% of Net AUM, with unsecured retail loans at 10.3%.
Housing Finance AUM grew 24% year-on-year to INR 89,416 crore, with PAT up 29%.
Strategic acquisition of Yogloans (88.6% stake) to expand gold loan segment, subject to regulatory approval.
Board approved unaudited financial results and re-appointed Chief Compliance Officer for three years.
Financial highlights
Disbursements grew 33% year-on-year to INR 46,212 crore, with unsecured retail disbursals up 50%.
Net interest income for Q1FY27 was ₹3,571 Cr, up 25% year-on-year.
Cost-to-income ratio improved to 36.4%, down 190 bps sequentially.
Gross stage 3 assets/GNPA at 1.9%, NNPA at 0.8%, and PCR at 57%.
Capital adequacy at 18.5%, debt-to-equity at 5.3x, and total equity at INR 46,237 crore.
Outlook and guidance
AUM growth guidance maintained at 23%-25% for FY 2027; PAT CAGR >30% for FY25–28E.
Targeting ROA of 2.5–2.7% and ROE of 17–18%.
Credit cost guidance held at 1%, with potential upside if portfolio quality remains strong.
Retail and SME to remain 85%-88% of the book, with corporate growth capped.
Acquisition terms for Yogakshemam Loans Limited
Co-lending portfolio scale and asset quality
Project finance DCCO and resolution plan status
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Latest events from Tata Capital
- Strong Q1 FY27 growth, stable asset quality, and gold loan expansion via acquisition.TATACAP
Q1 26/27 (Media) - $29.3bn AUM, 20% growth, digital-first, strong asset quality, and ESG leadership.TATACAPInvestor presentation
- Record AUM and profit growth, improved asset quality, and successful capital market actions.TATACAPQ4 25/26 (Media)
- AUM and PAT surged, asset quality improved, and guidance remains robust with AAA ratings.TATACAPQ4 25/26
- Record AUM and profit growth, improved efficiency, and strong capital position after IPO.TATACAPQ3 25/26
- Strong AUM and profit growth, robust asset quality, and successful capital raising.TATACAPQ2 25/26
Next Tata Capital earnings date
Q2 26/2727 Oct, 2026
Tata Capital
Next Tata Capital earnings date
Q2 26/2727 Oct, 2026
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@theshortbearx.com
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