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Tata Capital Q2 FY27 Investor Presentation

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Part of Investor presentation examples · Indian investor presentation examples

Tata Capital Q2 FY27 Investor Presentation (27 October 2026): quarterly results deck from India's third-largest diversified NBFC, filed with BSE/NSE, covering the quarter ended 30 September 2026 — Net AUM of ₹ 3,08,030 crore (+26% YoY), PAT of ₹ 1,660 crore (+51% YoY), asset quality, the TCHFL housing subsidiary, the Motor Finance run-down, liabilities, FY28 guidance, AI adoption and ESG.

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Tata Capital investor presentation
Q2 FY27
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Description

Main Topic

Tata Capital Q2 FY27 Investor Presentation (27 October 2026): quarterly results deck from India's third-largest diversified NBFC, filed with BSE/NSE, covering the quarter ended 30 September 2026 — Net AUM of ₹ 3,08,030 crore (+26% YoY), PAT of ₹ 1,660 crore (+51% YoY), asset quality, the TCHFL housing subsidiary, the Motor Finance run-down, liabilities, FY28 guidance, AI adoption and ESG.

Key Benefits

  • •57 slides covering a full NBFC quarterly results story: executive summary, company overview, business mix, consolidated P&L, asset quality, subsidiary, liabilities, guidance, technology, ESG and annexures
  • •Real reported figures in Indian number formatting (₹ crore, lakh, Indian digit grouping such as ₹ 3,08,030 Cr) — a reference for how Indian lenders present results
  • •Dense but clean financial tables: 11-year financial summary (FY18–FY26), quarterly and half-year P&L with YoY growth columns, stage-wise asset quality and 15-month collection efficiency grids
  • •Strong KPI-card patterns: 2x3 key-figure tiles with prior-period comparisons, guidance tiles, and AI-metric strips with large percentages
  • •Includes an editable PPTX converted from the PDF, so tables, charts and text boxes can be reused as a starting point

Target Audience

  • •Equity and credit analysts covering Indian NBFCs, housing finance companies and financial services
  • •Investor relations and finance teams at banks, NBFCs and fintech lenders preparing quarterly results decks
  • •Students and researchers studying Indian retail and SME lending, credit cost and stage-wise asset quality disclosure
  • •Presentation designers looking for a corporate blue financial-results template with data-heavy tables

Use Cases

  • •Benchmarking Tata Capital's Q2 FY27 AUM growth, ROA/ROE, credit cost and GNPA/NNPA against peers such as Bajaj Finance, Shriram Finance or L&T Finance
  • •Modeling a quarterly results presentation for a lender: executive summary, segment AUM mix, P&L table, asset quality, ALM and guidance
  • •Studying how an NBFC communicates the run-down of an acquired portfolio (Tata Motors Finance) while growing the core book
  • •Reusing slide layouts for AI-in-lending, digital transformation or ESG/CSR sections in financial-services decks

Unique Value Propositions

  • •First-hand Q2 FY27 disclosures from an upper-layer NBFC listed on NSE and BSE in October 2025
  • •Shows both headline and 'excluding Motor Finance' metrics (AUM growth 32% YoY, ROA 2.5%), a useful example of adjusted-metric presentation
  • •Unusually detailed AI section (slides 40–46) quantifying adoption across marketing, underwriting, operations, servicing and collections
  • •Restates FY28 guidance unchanged: AUM CAGR 23–25% and PAT CAGR above 30% for FY25–28E, ROA 2.5–2.7%, ROE 17–18%

Slide Pages (57)

Detailed view of each slide page, including layout, key content and visual elements.

Page 1
title slide

Cover – Q2FY27 Investor Presentation

Content

Title slide with the Tata Capital wordmark, 'Q2FY27 Investor Presentation' and the date 27 October 2026.

Layout Structure

Full-bleed royal-blue background; logo and title stacked on the left, a row of five vertical photo strips (loan application, home, borrowers, worker in hard hat) on the right with a lime-green swoosh in the top-left corner.

Key Visual Elements

  • •Royal blue background
  • •Vertical photo strips of customers
  • •Tata Capital logo with yellow underline
  • •Lime-green corner swoosh
Page 2
disclaimer

Disclaimer

Content

Standard legal disclaimer: the presentation is for information only, forward-looking statements may differ from actual results, and it is not an offer or solicitation to invest in Tata Capital Ltd.

Layout Structure

White content slide with blue title and thin yellow rule, five dense paragraphs of small text across the full width, logo footer bottom-left and page number bottom-right.

Key Visual Elements

  • •Blue title with yellow underline
  • •Small-print paragraphs
  • •Logo footer
Page 3
executive summary / KPI dashboard

Executive Summary – Q2FY27 Performance Update (1/3)

Content

Key figures: AUM ₹ 3,08,030 Cr (+26.3% YoY, +6.0% QoQ), PAT ₹ 1,660 Cr (+51.3% YoY, +7.3% QoQ), cost-to-income 35.3% (39.7% in Q2FY26), cost to average assets 2.3%, credit cost 0.9% and RoA 2.3%; highlights include the loan book crossing ₹ 3 lakh crore, 9.2mn customers (~0.4mn added), Retail + SME at 85.4% of Net AUM, GNPA 1.9%, NNPA 0.8% and ROE 14.0%.

Layout Structure

Two-panel layout: left panel 'Key Figures' with a 2x3 grid of KPI cards (value, label, prior-period comparisons in light blue); right panel 'Q2FY27 Performance Highlights' with a bulleted list and sub-bullets for asset quality.

Key Visual Elements

  • •Six KPI tiles with YoY/QoQ comparisons
  • •Blue header bars
  • •Bulleted highlights list
Page 4
executive summary

Executive Summary – Q2FY27 Performance Update (2/3)

Content

Scale: AUM ₹ 3,08,030 cr (+26% YoY), ₹ 2,84,439 cr excluding Motor Finance (+32% YoY), net AUM addition ₹ 17,528 cr QoQ, unsecured retail 10.4% of Net AUM. Profitability: PAT ₹ 1,660 cr, ROA 2.3% (2.5% ex-Motor Finance), ROE 14.0%. Asset quality: credit cost 0.9%, GNPA 1.9%, NNPA 0.8%.

Layout Structure

Three stacked full-width sections, each with a blue header bar (Scale, Profitability, Asset quality) and bulleted text inside a light rounded box.

Key Visual Elements

  • •Blue section header bars
  • •Bulleted text blocks
  • •Rounded content boxes
Page 5
executive summary

Executive Summary – Q2FY27 Performance Update (3/3)

Content

Operating efficiency: NII ₹ 3,696 cr (+23% YoY), cost to average assets 2.3%, 31,655 on-roll employees (headcount +6% vs AUM +26%). Distribution: 1,515 branches in 26 states/UTs, 9.2mn customers. Liabilities: total equity ₹ 47,778 cr, borrowings ₹ 2,60,846 cr (5.5x equity), average cost of borrowings 7.3% (+5 bps QoQ), liquidity buffer ₹ 36,398 cr.

Layout Structure

Same three-section format as page 4: Operating efficiency, Distribution, and Liability and Networth, each with a blue header bar and bullets.

Key Visual Elements

  • •Blue section header bars
  • •Bulleted metrics
  • •Consistent template continuation
Page 6
section divider

Section Divider – Company Overview

Content

Section break introducing the company overview.

Layout Structure

Blue left half with logo and section title; right half split diagonally into photos of families and a customer meeting, separated by a yellow-edged blue triangle and a central hexagon.

Key Visual Elements

  • •Diagonal photo collage
  • •Blue and yellow geometric shapes
  • •Large white section title
Page 7
company overview / org chart

About Tata Capital

Content

Group structure: Tata Sons holds 78.8% (Tata Group 85.4%) of Tata Capital Limited, which owns 100% of Tata Capital Housing Finance (TCHFL), Tata Securities and Tata Capital Pte (Singapore). Tata Capital is an upper-layer NBFC with ~₹ 3.1tn Net AUM as of 30 Sep 2026, 85.4% Retail & SME; non-lending businesses span private equity, wealth management and insurance/credit-card distribution; the merger with Tata Motors Finance completed in May 2025 (appointed date 1 Apr 2024).

Layout Structure

Left: organisation chart from Tata Group to TCL to three subsidiary boxes with descriptions. Right: three callout cards with circular icons covering scale, non-lending businesses (three icons) and the TMFL merger.

Key Visual Elements

  • •Ownership tree diagram
  • •Subsidiary boxes
  • •Icon callout cards
  • •Dashed divider
Page 8
mission / values

Our Purpose – Responsible Financial Partner Fulfilling India's Aspirations

Content

Six values arranged around a hexagon cluster: Lead with Trust, Better Together, Futuready, Delivering Delight, Capital & More, and Fast Forward, each with a one-line description.

Layout Structure

Centered honeycomb of six icon hexagons in purple, blue and green; value names and descriptions placed left and right of the cluster.

Key Visual Elements

  • •Hexagon honeycomb
  • •Colored value headings
  • •Line icons
Page 9
timeline / growth chart

Our Journey – Building a Diversified Retail and SME Focused Book

Content

Timeline from commencing lending in 2007 through crossing ₹ 500bn, ₹ 1tn, ₹ 2tn and ₹ 3tn loan-book milestones, S&P/Fitch BBB- ratings, AAA domestic upgrade, mergers (TCFSL/TCCL, TMFL), NSE/BSE listing in Oct-25 and the ~88.6% Yogloans acquisition (gold loans). Net AUM rose from ₹ 1,169bn (Mar-23) to ₹ 3,080bn (Sep-26); 18 years of profitability.

Layout Structure

Rising bar chart of Net AUM (₹ bn) with milestone callouts and circular icons connected by leader lines above the bars; blue banner at the bottom with the key takeaway.

Key Visual Elements

  • •Bar chart with growth arrow
  • •Milestone callouts
  • •Bottom takeaway banner
Page 10
strengths / value proposition

Our Key Strengths

Content

Seven strengths: 3rd-largest diversified NBFC in India, prudent risk culture, omni-channel 'Phygital' model, digital/GenAI/analytics, highest credit rating and diversified liabilities, the 'Tata' brand, and an experienced management team with 400+ years of combined experience.

Layout Structure

Semicircular fan diagram of colored segments with icons around a central Tata Capital arc; strength labels positioned around the fan; full-width blue banner at the bottom.

Key Visual Elements

  • •Semicircle fan diagram
  • •Multicolor segments with icons
  • •Bottom banner
Page 11
financial summary table

Tata Capital Limited – Financial Performance Summary

Content

Eleven-column table FY18–FY26 (with ex-TMFL columns for FY25 and FY26): Net AUM grew from ₹ 59,480 cr to ₹ 2,77,275 cr and PAT from ₹ 605 cr to ₹ 4,846 cr; ratio block shows cost-to-income, credit cost, GNPA/NNPA, PCR, ROA, ROE and basic EPS by year.

Layout Structure

Full-width dense financial table with a blue header row, bolded key rows (Net Total Income, PAT) and a second ratio table beneath; footnote in the footer.

Key Visual Elements

  • •Multi-year data table
  • •Bold highlight rows
  • •Ratio sub-table
Page 12
section divider

Section Divider – Business Overview

Content

Section break introducing the business overview.

Layout Structure

Blue background with logo and white title on the left, photo of a presenter pointing at dashboard charts on the right, framed by a yellow-edged triangle.

Key Visual Elements

  • •Business presentation photo
  • •Blue/yellow triangle motif
Page 13
distribution map / network

Pan-India 'Phygital' Distribution Model

Content

1,515 branches in 26 states and UTs across 1,094 locations (2.8x from 539 in Mar-23); 22,189 in-house sales staff and 35K+ DSAs; 173 lakh+ mobile app downloads and 65 lakh+ monthly website traffic.

Layout Structure

Left: India map shaded by state with branch counts per state. Right: purple 'Branch network' card with a two-bar chart (539 to 1,515), plus green and yellow cards for sales ecosystem and digital presence.

Key Visual Elements

  • •Choropleth India map with branch counts
  • •Two-bar growth chart
  • •Colored stat cards
Page 14
product mix / donut chart

Product Offerings – Retail and SME Driven Growth

Content

Net AUM of ₹ 3,08,030 cr split Retail 56.7% : SME 28.7% : Corporate 14.6%; retail breakdown includes home loans 15.6%, LAP 14.2%, personal/business loans 9.1%, motor finance 7.7%. 25+ lending products, high-margin retail ~25% of Net AUM, organic book ~99%, granular book ~99%.

Layout Structure

Left: donut chart of AUM mix with labeled segments. Right: six bordered callout boxes in blue, purple and green inside a dashed frame; blue banner across the top.

Key Visual Elements

  • •Donut chart
  • •Callout boxes
  • •Dashed grouping frame
Page 15
data table

Business Segment Wise Net AUM

Content

Six-quarter table (Jun-25 to Sep-26) of Net AUM amounts and % mix by segment: retail ex-Motor Finance ₹ 1,51,077 cr (49.0%), SME ₹ 88,500 cr (28.7%), corporate ₹ 44,862 cr (14.6%), Motor Finance down to ₹ 23,591 cr (7.7% from 12.8%).

Layout Structure

Wide table with two grouped header bands — green 'Amount (₹ cr)' and purple '% Mix' — italicized sub-rows for retail products and bold totals.

Key Visual Elements

  • •Dual-band colored headers
  • •Italic sub-rows
  • •Bold total rows
Page 16
product table

Product Offerings – Retail

Content

Eleven retail products with description, Net AUM, share, YoY growth and average ticket size, e.g. home loans ₹ 48,163 cr (+17.2%, ATS ₹ 33.2 lakh), LAP ₹ 43,617 cr (+29.9%), CV loans ₹ 23,131 cr (-15.4%), personal loans ₹ 17,020 cr (+19.4%), loan against securities +40.0%, education loans +79.7%.

Layout Structure

Full-width table with icon plus product name in the first column, descriptive text column and four numeric columns; vertical 'Retail products' label on the left edge.

Key Visual Elements

  • •Product icons
  • •Blue table header
  • •Vertical side label
Page 17
product grid

Product Offerings – SME & Corporate

Content

Six SME/corporate products with average ticket sizes: supply chain finance (₹ 2.8 cr), equipment finance (₹ 1.7 cr), leasing (₹ 24.6 cr), term loans (₹ 39.6 cr), developer finance via TCHFL (₹ 80.4 cr, 150 developers in 11 cities) and cleantech/infrastructure finance (₹ 172.7 cr, 500+ projects).

Layout Structure

2x3 grid of cards, each with a colored header tab (blue, purple, green) and bullet text in a shadowed box.

Key Visual Elements

  • •Six product cards
  • •Colored header tabs
  • •Drop shadows
Page 18
data table with trend chart

Scaling High-Margin Retail Products

Content

Table of disbursal IRR, disbursement growth and AUM growth for high-margin products: personal loans (14–15% IRR, disbursements +68%, AUM +19%), business loans, microfinance (~25% IRR), affordable/micro HL and LAP, two-wheeler and vehicle finance; total disbursements +40% YoY vs AUM +14%. A side bar chart shows AUM growth rising from 5% (Q3FY26) to 14% (Q2FY27).

Layout Structure

Left: table with colored column headers. Right: dashed panel with horizontal bars of AUM growth over four quarters. Bottom: four commentary bullets.

Key Visual Elements

  • •Colored header table
  • •Horizontal bar trend
  • •Dashed panel
Page 19
business segments

Non-Lending Businesses

Content

Private equity: Growth and Healthcare themes, ₹ 9,239 cr raised across funds, 55 deals in over 15 years, raising Fund III and planning a Decarbonization Fund. Wealth management: ₹ 8,238 cr AUM, 22% CAGR (Mar-23 to Sep-26). Insurance distribution: composite corporate agent licence, 8.8mn+ policies in force.

Layout Structure

Three chevron-shaped columns in purple, green and blue gradients, each with a header tab, bullets, icons and highlighted stats.

Key Visual Elements

  • •Chevron arrow columns
  • •Pastel gradients
  • •Stat callouts
Page 20
income statement table

Consolidated Financial Performance

Content

Q2FY27 vs Q2FY26: NII ₹ 3,696 cr (+23%), net total income ₹ 4,676 cr (+24%), opex ₹ 1,651 cr (+10%), PPOP ₹ 3,025 cr (+33%), loan losses ₹ 645 cr (-17%), PBT ₹ 2,380 cr (+58%), PAT ₹ 1,660 cr (+51%); H1FY27 PAT ₹ 3,207 cr (+54%). Ratios: cost-to-income 35.3%, credit cost 0.9%, ROA 2.3%, ROE 14.0%.

Layout Structure

Full-width P&L table with quarterly, half-year and FY26 columns; YoY growth columns highlighted in dark blue and separated by dashed vertical lines; ratio block below.

Key Visual Elements

  • •Highlighted YoY columns
  • •Bold profit rows
  • •Dashed column separators
Page 21
asset quality table

Asset Quality Update (1/3)

Content

Five-quarter view (Sep-25 to Sep-26): gross loans ₹ 3,03,739 cr, GS3 ₹ 5,723 cr, total provisions ₹ 5,350 cr; Stage 3 at 1.9% gross and 0.8% net; Stage 3 provision coverage up from 52.8% to 58.6%; Stage 2 down to 1.2%.

Layout Structure

Single table with grouped sections (gross loan mix, provision coverage, net loan mix) separated by light shaded sub-headers.

Key Visual Elements

  • •Sectioned table
  • •Light blue sub-headers
Page 22
asset quality table

Asset Quality Update (2/3)

Content

Segment-level GS3, NS3 and provision coverage for five quarters: total GS3 1.9% and NS3 0.8% (Sep-26); excluding Motor Finance GS3 1.3% and PCR 69.2%; Motor Finance GS3 8.7% and NS3 5.6%; corporate PCR 97.9%.

Layout Structure

Wide table with three color-banded header groups (blue Gross Stage 3, green Net Stage 3, purple Provision Coverage) and dashed separators.

Key Visual Elements

  • •Three colored header bands
  • •Italic sub-segment rows
  • •Bold totals
Page 23
data table

Asset Quality Update – Collection Efficiency (3/3)

Content

Monthly collection efficiency Jul-25 to Sep-26 for home loans (~99.8–99.9%), LAP (~99.7–99.8%), personal loans and business loans (~99.1–99.5%), two-wheeler (98.4–99.2%) and used car loans (~99.0–99.3%).

Layout Structure

Fifteen-column monthly grid with product rows and a blue header; definition footnote at the bottom.

Key Visual Elements

  • •Monthly grid table
  • •Blue header row
Page 24
section divider

Section Divider – Material Subsidiary TCHFL

Content

Section break for Tata Capital Housing Finance Limited.

Layout Structure

Blue left panel with logo and title; right photo of a family decorating a new home, framed by a yellow-edged triangle.

Key Visual Elements

  • •Family home photo
  • •Blue/yellow triangle
Page 25
subsidiary overview / KPI dashboard

Tata Capital Housing Finance Limited (TCHFL) Overview

Content

AUM and PBT path FY19–H1FY27 (AUM ₹ 26,384 cr to ₹ 95,098 cr; AUM CAGR 31% FY22–H1FY27, PBT CAGR 34% FY22–FY26). Q2FY27: AUM ₹ 95,098 cr (+26% YoY), PAT ₹ 552 cr (+26%), cost-to-income 30.0%, ROA 2.5%, NNPA 0.3%, ROE 18.0%; credit cost 0.1%, GNPA 0.7%, ~370 branches.

Layout Structure

Top: horizontal arrow timeline with AUM and PBT rows. Bottom-left: 2x3 KPI card grid; bottom-right: bullet list in a rounded box.

Key Visual Elements

  • •Arrow timeline
  • •KPI tiles
  • •Bulleted highlights
Page 26
portfolio mix / pie chart

TCHFL Portfolio Overview

Content

Q2FY27 Net AUM ₹ 95,098 cr split prime and near-prime home loans 40% (₹ 37,797 cr, ATS ₹ 42 lakh), prime LAP 21% (₹ 19,530 cr), developer finance 21% (₹ 19,598 cr, 11 cities, ATS ₹ 80 cr), affordable housing 18% (₹ 16,810 cr, ATS ₹ 18 lakh) and micro housing 1% (₹ 1,363 cr).

Layout Structure

Central pie chart in blue, purple and green with callouts, flanked by four product boxes with colored headers.

Key Visual Elements

  • •Pie chart with amounts
  • •Colored product headers
  • •Dashed value labels
Page 27
income statement table

TCHFL – Financial Performance Summary

Content

TCHFL P&L: NII ₹ 852 cr (+22% YoY), net total income ₹ 1,089 cr, PPOP ₹ 762 cr, loan losses ₹ 21 cr, PBT ₹ 741 cr, PAT ₹ 552 cr (+26%); H1FY27 PAT ₹ 1,084 cr (+27%). Ratios: cost-to-income 30.0%, credit cost 0.1%, ROA 2.5%, ROE 18.0%.

Layout Structure

Same table design as page 20 with highlighted YoY columns and a ratio block.

Key Visual Elements

  • •Consistent financial table
  • •Highlighted growth columns
Page 28
section divider

Section Divider – Motor Finance Update

Content

Section break for the Motor Finance business.

Layout Structure

Blue panel with title; right photo of silhouetted business people in front of a world map, framed by a triangle.

Key Visual Elements

  • •Silhouette photo
  • •World map overlay
Page 29
business overview with charts

Motor Finance Business Overview

Content

Net AUM ₹ 23,591 cr, Q2FY27 disbursement ₹ 2,383 cr, 2.5mn+ customers, 392 branches, 1,050+ dealer touchpoints, 4,375 employees. Net AUM fell ₹ 9,922 cr between Mar-25 and Sep-26 with quarterly depletion shrinking from ₹ 3,139 cr to ₹ 854 cr; mix is HCV-new 40%, used vehicle 32%, ILMSCV 25%, others 3%.

Layout Structure

Three columns: icon list of metrics with blue pill values; purple bar chart of quarterly AUM depletion; donut chart of AUM mix.

Key Visual Elements

  • •Icon metric list
  • •Purple bar chart
  • •Donut chart
Page 30
strategy update

Motor Finance Business Update

Content

Tata Motors Finance acquisition completed 8 May 2025. Key drivers: multi-OEM model (non-Tata OEM share of disbursements 0% to 30%, 597 dealers added in 15 months), product mix shift to used and ILMSCV, all liabilities repriced, over 100 branches rationalized and headcount cut to 4,375 from 6,351, IT integration with TCL completed.

Layout Structure

Two-column table layout: blue 'Key Drivers' column and green 'Updates' column with embedded mini tables of quarterly disbursement metrics.

Key Visual Elements

  • •Driver/update two-column structure
  • •Embedded quarterly tables
Page 31
section divider

Section Divider – Liability & Asset Profile

Content

Section break for the liability and asset profile.

Layout Structure

Blue panel with title; right photo of a laptop showing spreadsheets and charts, framed by a triangle.

Key Visual Elements

  • •Laptop analytics photo
  • •Blue/yellow triangle
Page 32
funding mix chart

Diversified & Stable Liability Profile

Content

Total borrowings grew from ₹ 69,801 cr (Mar'19) to ₹ 2,60,846 cr (Sep'26), mixing bank loans, NCDs, ECB/MTN, CP/WCDL, Tier II/perpetual and NHB. AAA domestic rating, BBB international rating, first USD bond in Jan'25; average cost of borrowings 7.3% (two-point average) in Q2FY27.

Layout Structure

Three icon callouts across the top; 100% stacked column chart of funding mix over 16 periods; line chart of cost of borrowings below.

Key Visual Elements

  • •Stacked column chart
  • •Dual line chart
  • •Icon callouts
Page 33
line chart / ratios

Key Ratios

Content

Quarterly trends Q1FY25–Q2FY27: total CRAR 17.3% and Tier-I 14.7% in Q2FY27 against a 15% regulatory minimum, Tier-II down to 2.6%, and borrowings-to-equity down from 6.8x to 5.5x.

Layout Structure

Full-slide multi-line chart with data labels for four series and a dotted regulatory CRAR line; legend at the bottom.

Key Visual Elements

  • •Multi-series line chart
  • •Data labels
  • •Regulatory reference line
Page 34
ALM / bar chart

ALM Bucketing (Standalone)

Content

Cumulative inflows vs outflows across ten maturity buckets from 1–7 days to over 5 years, with positive cumulative surplus in most buckets (10–11% in short buckets, a (2)% gap in the 1–3 year bucket).

Layout Structure

Clustered columns in grey and blue for each bucket, a row of surplus/gap pills along the top, blue banner header.

Key Visual Elements

  • •Clustered column chart
  • •Surplus pills
  • •Blue banner
Page 35
section divider

Section Divider – Guidance

Content

Section break for financial guidance.

Layout Structure

Blue panel with title; photo of hands passing a small model house, framed by a triangle.

Key Visual Elements

  • •Model house photo
  • •Blue/yellow triangle
Page 36
guidance / targets

FY28 Guidance

Content

FY28 targets, unchanged from the Q2FY26 presentation: AUM CAGR 23–25% and PAT CAGR above 30% (FY25–28E), cost-to-income 33–34%, credit cost below 1.0%, Net NPA below 1.0%, ROA 2.5–2.7%, ROE 17–18%.

Layout Structure

Seven guidance tiles arranged 4 over 3, each with a blue or green corner bracket, large figure and label.

Key Visual Elements

  • •Bracketed KPI tiles
  • •Large target figures
Page 37
section divider

Section Divider – Technological Capabilities

Content

Section break for technology and AI.

Layout Structure

Blue panel with title; photo of a hand touching digital interface icons, framed by a triangle.

Key Visual Elements

  • •Digital interface photo
Page 38
strategy pillars

Digital First – Essence of Our Organization

Content

Three pillars: Digital DNA (digital-first NBFC, technology at the core), AI > Next (AI to reimagine finance and achieve operational excellence) and Customer at the Core (products shaped around customer needs).

Layout Structure

Tech-themed banner image across the top; three numbered cards with colored header bars (blue, green, purple) and bullet text.

Key Visual Elements

  • •Numbered circles
  • •Three pillar cards
  • •Banner image
Page 39
process / capability map

Digital DNA Driving Impact

Content

Digitized loan lifecycle across onboarding, underwriting, collections and customer service: 99% of customers onboarded digitally, 98% of retail disbursements via scorecards/BRE, 99% of collections via digital channels, 98% of queries addressable digitally, 170+ retail services and 180+ digital partnerships.

Layout Structure

Four rounded columns with colored outlines listing capabilities as icon rows; a strip of six stat pills along the bottom.

Key Visual Elements

  • •Four lifecycle columns
  • •Icon rows
  • •Stat pills
Page 40
framework

Building an AI-First NBFC

Content

Five AI building blocks: customer engagement, document intelligence, AI-ready workforce (12,000+ employees trained, 9,000+ AI-assisted interviews), AI platform and infrastructure (hybrid cloud, multi-model) and AI-powered analytics; outcomes are faster turnaround, higher productivity, better experience, lower cost to serve and stronger risk monitoring.

Layout Structure

Five cards (3 over 2) with colored icon headers, italic descriptions and outcome text; blue banners at the top and bottom.

Key Visual Elements

  • •Five capability cards
  • •Top and bottom banners
Page 41
value chain

AI Embedded Across the Lending Value Chain

Content

AI use cases across five stages: customer acquisition and onboarding, underwriting (credit intelligence, CAM generation), operations (agentic workflows, touchless processing), portfolio monitoring and collections, and services (AI agents, email intelligence).

Layout Structure

Five vertical columns with blue header tabs, bullet lists and a circular icon at the bottom of each, on a light gradient.

Key Visual Elements

  • •Five-column value chain
  • •Circular icons
Page 42
metrics / quadrant

AI and Digital in Customer Acquisition and Onboarding

Content

AI in marketing: 85–90% of creatives AI-generated, 60% of video and blogs, 75–80% of campaign communications, interactions in 11 languages. Onboarding: 30 lakh customer connects (Sep-26), ~14% of call-center PL sourcing via AI agents; digital KYC 99% for PL and home loans; 85%+ Account Aggregator penetration.

Layout Structure

Four quadrant panels with blue headers; big-number stats in the top two, bullets and a small adoption table in the bottom two.

Key Visual Elements

  • •Big-number stats
  • •Adoption table
  • •Quadrant layout
Page 43
metrics with feature panels

AI in Underwriting

Content

Credit Intelligence Engine and Credit Decisioning Engine: 95%+ adoption across PL and BL underwriting, 39%+ faster processing TAT, 30% higher SME underwriting productivity, 120+ document formats trained and ~7.8 crore documents processed through AI.

Layout Structure

Row of five stat boxes with blue brackets at the top; two green-headed panels with bullets and checkmark benefit lists below.

Key Visual Elements

  • •Bracketed stat boxes
  • •Green panels
  • •Checkmark lists
Page 44
metrics with diagram

AI in Operations

Content

Agentic operations platform across retail, SME and corporate: 95%+ adoption across BL, TW and MFI, 70% of retail applications processed via AI, ~43% productivity gain, ~40% faster processing TAT and 28%+ lower ops cost per file.

Layout Structure

Stat strip on top; left semicircle graphic linking Retail, SME and Corporate; right bullet list and checkmark benefits box.

Key Visual Elements

  • •Semicircle connector diagram
  • •Stat strip
  • •Checkmark list
Page 45
metrics with feature panels

AI in Services

Content

Agentic voice hub and agentic email workflow: 95% of welcome calls through AI, ~75% lower servicing cost per call, 70%+ of email draft responses by AI agents, 90%+ of email queries resolved the same day.

Layout Structure

Four stat boxes on top; two blue-headed panels with bullets and checkmark benefit boxes.

Key Visual Elements

  • •Stat boxes
  • •Blue panels
  • •Checkmarks
Page 46
metrics with feature panels

AI in Portfolio Monitoring and Collections

Content

Stock monitoring and collections: 100% adoption across SME stock monitoring, 83% stock-audit TAT reduction, 95%+ pre-delinquency calls via AI-assisted bots, 30% of early-bucket EMI collections through bots, engagement in 11 languages.

Layout Structure

Four purple-bracketed stat boxes; two purple-headed panels with bullets and checkmarks; blue banner at the bottom.

Key Visual Elements

  • •Purple accent panels
  • •Stat boxes
  • •Bottom banner
Page 47
section divider

Section Divider – ESG Overview

Content

Section break for ESG.

Layout Structure

Blue panel with title; green photo of a hand holding 'ESG' lettering surrounded by sustainability icons.

Key Visual Elements

  • •ESG concept image
  • •Green tones
Page 48
ESG commitments

Tata Capital Sustainability Initiatives – Commitments (1/3)

Content

Six pillars: board independence and diversity (five of eight directors independent, two female independent directors), data and risk governance, leadership accountability via the Risk Committee, sustainability-focused business, ethical framework (100% trained on the Tata Code of Conduct) and CSR.

Layout Structure

Two rows of three icon-topped text blocks on a light grey band.

Key Visual Elements

  • •Circular icons
  • •2x3 text grid
Page 49
ESG KPIs

Tata Capital Sustainability Initiatives – Sustainability Indicators (2/3)

Content

Environmental, social and governance KPIs: 700+ cleantech projects and 35 GW+ renewable capacity financed, 10% women in workforce, 8 lakh+ women empowered by microfinance, 3.7mn+ lives impacted by CSR, maiden BRSR for FY26, AAA by Crisil/ICRA/CARE and BBB by S&P.

Layout Structure

Bold intro statement on top; three columns (green, blue, purple headers) of rounded KPI pills.

Key Visual Elements

  • •Three KPI columns
  • •Rounded pills
Page 50
impact metrics

Catalyzing Green Projects Through Cleantech Finance (3/3)

Content

Cleantech financing since TCCL was set up with IFC in 2011: 700+ projects, 35 GW+ renewable capacity, ₹ 55,000 Cr+ disbursed; EV financing with 85,000+ live customers, 5,000+ added monthly, ~7% of the two-wheeler portfolio; focus on renewables, e-mobility, energy efficiency, green finance and waste management.

Layout Structure

Two rows of stat tiles (blue for cleantech, green for EV); two outlined callouts; purple 'Focus Areas' tab row at the bottom.

Key Visual Elements

  • •Stat tiles
  • •Focus-area tabs
Page 51
CSR programs

Tata Capital CSR Initiatives – Flagship Programmes (1/2)

Content

Environmental CSR: JalAadhar (410 villages, 8 lakh+ people, 1,000+ water bodies rejuvenated), The Green Switch (solar power for 6,000+ homes in 124 hamlets, ~1.7 MWp) and Vanaropan for Neutrality (41+ ha afforested, 2.5 lakh+ saplings); 10,31,530+ lives impacted.

Layout Structure

Three columns, each with an SDG icon, program name, photo and bullets; blue impact banner at the bottom.

Key Visual Elements

  • •Program photos
  • •SDG icons
  • •Impact banner
Page 52
CSR programs

Tata Capital CSR Initiatives – Flagship Programmes (2/2)

Content

Healthcare and education CSR: Aarogyatara (18.67 lakh people screened, 1.96 lakh vision surgeries; 18,67,000+ lives impacted) and Education (40,000+ Pankh scholarships, financial literacy, skilling; 5,24,330+ lives impacted).

Layout Structure

Two columns with SDG icon, photo, bullets and a blue impact stat box at the bottom, separated by a dashed divider.

Key Visual Elements

  • •Photos
  • •Impact stat boxes
Page 53
awards / gallery

Awards and Recognition

Content

Fourteen awards, including ASSOCHAM Award of Excellence for NBFCs Upper Layer 2026, Bharat NBFC & Fintech Summit awards 2026, Best BFSI Brand 2025 by ET Edge, the Tata Innovista Award for the GenAI-powered CAM project and India Green Energy Award for EV financing.

Layout Structure

Two rows of seven trophy photos in bracket frames, with italic captions beneath each.

Key Visual Elements

  • •Trophy photo grid
  • •Italic captions
Page 54
closing slide

Thank You

Content

Closing slide.

Layout Structure

Blue panel with logo and 'Thank You'; photo of a woman using a laptop in a field, framed by a yellow-edged triangle.

Key Visual Elements

  • •Rural digital-inclusion photo
  • •Blue/yellow triangle
Page 55
section divider

Section Divider – Annexures

Content

Section break for annexures.

Layout Structure

Blue panel with title; construction-site photo of engineers in hard hats, framed by a triangle.

Key Visual Elements

  • •Construction photo
Page 56
balance sheet table

Consolidated Balance Sheet

Content

Mar-26 vs Sep-26: total net loans ₹ 2,68,203 cr to ₹ 2,98,217 cr, total assets ₹ 2,90,583 cr to ₹ 3,19,238 cr, borrowings ₹ 2,35,977 cr to ₹ 2,60,846 cr, networth ₹ 45,861 cr to ₹ 48,981 cr (total equity ₹ 47,778 cr).

Layout Structure

Compact three-column table on the left half of the slide with a blue header and shaded total rows.

Key Visual Elements

  • •Simple two-period table
  • •Shaded totals
Page 57
glossary

Definition of Key Terms

Content

Glossary defining average cost of borrowings, Tier I, CRAR, cost-to-income, credit cost, fee income, gross/net stage 3 loans and ratios, investment income, net total income, opex ratio, provision coverage, ROA, ROE, total equity, gross and net loans, and Net AUM.

Layout Structure

Two-column term/definition table across the full slide with a blue header row.

Key Visual Elements

  • •Term-definition table

Frequently Asked Questions

Common questions about this slide and the underlying presentation content.

What were Tata Capital's headline Q2 FY27 results?

For the quarter ended 30 September 2026, Net AUM was ₹ 3,08,030 crore (+26% YoY, +6% QoQ) and PAT was ₹ 1,660 crore (+51% YoY). Annualized ROA was 2.3%, ROE 14.0%, cost-to-income 35.3%, credit cost 0.9%, GNPA 1.9% and NNPA 0.8%.

What period does Q2 FY27 cover?

Indian companies use an April–March fiscal year, so FY27 runs from April 2026 to March 2027 and Q2 FY27 is July–September 2026. The deck is dated 27 October 2026, and H1 FY27 figures cover April–September 2026.

Where was this presentation published?

Tata Capital filed it with the stock exchanges (BSE/NSE) alongside its Q2 FY27 results, after listing on NSE and BSE in October 2025. This gallery copy has the exchange cover letter removed and starts at the presentation's cover slide.

What is the Motor Finance business and why are 'excluding Motor Finance' figures shown?

Motor Finance is the commercial-vehicle and car lending book acquired through the Tata Motors Finance merger (completed May 2025). It is being consolidated and repositioned, falling to ₹ 23,591 crore (7.7% of Net AUM), so the deck also shows core metrics without it: AUM growth of 32% YoY and ROA of 2.5%.

What guidance does Tata Capital give for FY28?

Slide 36 restates the FY28 guidance from the Q2 FY26 presentation: AUM CAGR of 23–25% and PAT CAGR above 30% over FY25–28E, cost-to-income of 33–34%, credit cost and Net NPA each below 1.0%, ROA of 2.5–2.7% and ROE of 17–18%.

Is there an editable PowerPoint version?

Yes. Along with the PDF, you can download an editable PPTX converted from the PDF. It keeps the slide order and most text, tables and shapes, but it is a machine conversion and not Tata Capital's original source file, so check fonts, charts and alignment before you reuse it.

Which slides are most useful as templates for a lender's results deck?

Slide 3 (six KPI tiles next to highlights), slide 20 (P&L with YoY columns), slides 21–23 (stage-wise asset quality and collection efficiency), slide 32 (funding-mix stacked columns plus cost-of-funds line) and slide 36 (guidance tiles) work well as models for any NBFC or bank quarterly presentation.

What does the deck say about AI adoption?

Slides 40–46 quantify AI use across the lending chain. Examples: 95%+ adoption in PL and BL underwriting, ~7.8 crore documents processed by AI, 70% of retail applications processed via AI, 95% of welcome calls handled by AI, and 30% of early-bucket EMI collections through AI-assisted bots.

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