Tata Capital **Strategic Focus & Pricing Power** Tata Capital is currently prioritizing a dual strategy of accelerated growth and enhanced customer affordability. Capitalizing on a favorable funding environment, the company is actively passing on the benefits of lower borrowing costs to end consumers, thereby increasing market competitiveness. **Financial Outlook & Asset Quality** * **Growth Trajectory:** The company maintains a robust annual growth guidance of **23–25%**, indicating strong confidence in its lending pipeline. * **Credit Costs:** Asset quality continues to strengthen, with credit costs trending downward. Management expects these costs to drop below **1%** significantly ahead of the original schedule. * **Return Ratios:** Return on Assets (RoA) is projected to improve, driven by superior asset quality and margin management. **Operational Efficiency** Future profitability will be underpinned by rigorous operating efficiency and technological integration. The deployment of Generative AI (GenAI) is expected to be a key lever in streamlining operations and optimizing cost structures.