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Tata Capital (TATACAP) investor relations material
Tata Capital Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary28 Oct, 2025
Executive summary
Achieved 22% YoY and 4.1% sequential AUM growth (excluding Motors/Motor Finance); consolidated AUM at ₹2,43,896 Cr, up 2.7% sequentially after Motors Finance acquisition in May 2025.
Profit after tax excluding Motor Finance was ₹1,128 Cr, up 33% YoY and 10% QoQ; including Motor Finance, PAT was ₹1,097 Cr, up 10.9% QoQ.
Strong digital transformation: 97% digital onboarding, 99% digital collections, and significant AI-led initiatives.
IPO and rights issue strengthened capital adequacy to 21.5% and reduced leverage to 4.9x–5x.
Customer franchise reached 7.7 million with 1,479 branches across 27 states/UTs.
Financial highlights
Consolidated net profit for Q2 FY26 was ₹1,097.32 crore, with half-year net profit at ₹2,087.21 crore.
Net interest income excluding Motor Finance grew 23% YoY to ₹2,637 Cr; including Motor Finance, it was ₹3,003 Cr, up 5% QoQ.
Cost to income ratio improved to 36.6% (excl. Motor Finance), 39.7% (incl. Motor Finance); expected to fall to 39% for FY26.
Cost of funds declined to 7.4%, down 47 bps YoY.
Net NPA stable at 0.6% (excl. Motor Finance); gross NPA at 1.6% (excl. Motor Finance), 2.2% (consolidated).
Outlook and guidance
FY26 AUM growth guidance: 22%-25% (excl. Motor Finance), 18%-20% (consolidated).
Credit costs expected at 1%-1.1% (excl. Motor Finance), 1.2% (consolidated).
FY26 ROA: 2.2–2.3% (excl. Motor Finance), 2.0–2.1% (incl. Motor Finance); ROE: 14–15% (excl. Motor Finance), 13–14% (incl. Motor Finance).
PAT growth guidance: 32–35%; three-year guidance: AUM CAGR 23%-25%, cost to income 33%-34%, credit costs below 1%, ROA 2.5%-2.7%.
IPO impact on debt-equity ratio?
COVID-19 resolution framework asset quality?
Scale of related party lending/investments?
Motor finance business: drivers for 2% ROA by FY28
ROA expansion: levers beyond credit costs
Unsecured/CV loan asset quality outlook
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Next Tata Capital earnings date
Q3 25/2627 Jan, 2026
Next Tata Capital earnings date
Q3 25/2627 Jan, 2026
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