Tata Capital passes on lower borrowing costs to customers; targets sub-1% credit cost, 25% AUM growth by FY28

Tata Capital is focusing on growth and customer affordability. The company is passing on lower funding costs to customers. Credit costs are declining and expected to go below 1% ahead of schedule. A 23-25% annual growth outlook remains intact. Operating efficiency and GenAI will drive profitability. Return on assets is projected to improve.