AUM Growth Target: 23-25% for FY27
Management confirmed full-year AUM growth guidance of 23-25% YoY, with growth accelerating in H2 as disbursement momentum translates into book expansion.
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Tata Capital · forward-looking guidance across the available source record.
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growth
NIM Expansion: +10bps for FY27
Expect margins to improve by approximately 10 basis points for the full year, driven by higher proportion of high-yield products and pricing improvements across segments. Cost of funds expected to increase 8-10bps.
Credit Cost Guidance: 1% for FY27
Credit cost maintained at 1% for Q1 FY27, within guided corridor. Management remains confident of sustaining this through the year despite entering new segments like gold loan.
Gold Loan Scaling: Rs 4,000+ crore and 500+ branches in 2.5-3 years
Post-RBI approval (expected by end of calendar year), management plans to add approximately 500 branches and grow portfolio to Rs 4,000+ crore over the next 2.5-3 years, combining Yogakshem's 162 branches with organic expansion.